JUMBO
HOME LOANS
Designed for borrowers financing higher‑priced homes with loan amounts exceeding conforming loan limits.
Key Features
No Mortgage Insurance | 50% Deb-To-Income Limit | 89.99% Loan-To-Value Limit
Why EHGM's JUMBO Loans Are Different
Our jumbo pre‑approvals are fully underwritten upfront. We carefully structure income, assets, and reserve requirements early to reduce conditions, minimize surprises, and keep high‑balance loans on track through closing.
Lower Fees, More Jumbo Buying Power
As a mortgage brokerage, we compare multiple jumbo lenders instead of relying on a single bank’s pricing. This allows us to find competitive rates, reduced fees, and better terms—helping you maximize buying power on higher‑priced homes.
More Loan Options, One Application
Jumbo guidelines vary widely by lender. We shop multiple programs with different credit, asset, and income requirements—giving you more flexibility, more approval options, and a tailored solution from one simple application
Faster Turn Times & More Flexible Processes
We work with jumbo lenders known for efficient underwriting and strong communication. This allows us to move faster than traditional banks, respond quickly to documentation needs, and keep complex jumbo loans moving without unnecessary delays.
100% of clients work directly with a licensed advisor — never a call center.
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Jumbo Home Loans Criteria
What you can expect
Max Loan Amount
$833K to $5MM+ (loan limits will vary by lender).
Purchase, Refinance, & Cash-Out
Minimum 10.01% down payment with 680+ FICO for purchases. Max loan-to-value is 89.99% for rate & term refinances and 80% LTV for cash-out refinances.
Credit
Minimum 680+ FICO
Residency
US Citizens / Permanent Resident Aliens & Non Permanent Resident Aliens allowed.
Income
No income limits. Typically requires 1 to 2-year work history.
Assets & Reserves
Assets must be sourced and seasonsed for 60 days. 3 to 6 months reserves required depending on lender guidelines. Gift funds allowed.