A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. The maximum amount for a conforming loan is $548,250 in most counties, as determined by the Federal Housing Finance Agency (FHFA). Homes that exceed the local conforming loan limit require a jumbo loan.
Also called non-conforming conventional mortgages, jumbo loans are considered riskier for lenders because these loans can’t be guaranteed by Fannie and Freddie, meaning the lender is not protected from losses if a borrower defaults. Jumbo loans are typically available with either a fixed interest rate or an adjustable rate, and they come with a variety of terms.
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Company NMLS # 350660
Individual NMLS # 350371
Company DRE # 01445163
Individual DRE # 01170811 www.nmlsconsumeraccess.org
12340 Seal Beach Blvd #B-307
Seal Beach , California 90740
Phone: (562) 900-0051
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