Jumbo Loan Financing
Finance a home above the conforming loan limit with competitive jumbo purchase and refinance options.
Why a Jumbo Loan?
Jumbo (non-conforming) loans exceed the FHFA conforming limit for the county. They are used for higher-priced primary homes, second homes, and some investment properties. Credit, reserves, and down payment standards are typically stricter than conforming conventional loans.
About Jumbo Home Loans
Conforming limits change annually and vary by county (higher in high-cost areas). If your loan amount is over that limit, we price jumbo — or a combination of a conforming first and a second, when that structure saves money.
We compare high-balance conforming, jumbo ARM, and jumbo fixed so you are not overpaying simply because the property is in a high-cost market.
The Jumbo Loan Process
Here’s how the process works with Primal Lending.
- 01
Complete our simple qualifier so we understand your goals, timeline, and credit profile.
- 02
Receive options based on your unique scenario — program, term, occupancy, and property type.
- 03
Choose the offer that best fits your payment, down payment, and long-term plans.
- 04
We coordinate processing, appraisal, and closing so you can move with confidence.