Loan Products
Jumbo Loans
Finance the home of your dreams with loan amounts that exceed conforming limits. Jumbo loans from STR Board offer competitive rates and personalized service for buyers of luxury and high-value properties.
Why Jumbo Loans
Key Benefits
Higher Loan Amounts
Borrow above conforming loan limits to finance luxury homes, estates, and high-value properties in any market.
Competitive Rates
Despite higher loan amounts, jumbo rates are often very competitive — especially for well-qualified borrowers.
Flexible Terms
Choose from fixed-rate or adjustable-rate options with terms ranging from 15 to 30 years to fit your financial strategy.
Interest-Only Options
Qualified borrowers may access interest-only payment periods, providing cash-flow flexibility in the early years of the loan.
Personalized Service
Jumbo borrowers receive dedicated support from experienced loan officers who understand the unique needs of high-value transactions.
Is It Right for You?
Who Is a Jumbo Loan For?
Jumbo loans are ideal for buyers purchasing homes that exceed the conforming loan limits set by the FHFA. Whether you're buying a luxury estate, a property in a high-cost market, or simply need more financing than a conventional loan allows, a jumbo loan gives you the purchasing power you need.
Requirements
General Guidelines
- Strong credit score (typically 700 or higher)
- Down payment of 10–20% or more depending on loan amount
- Substantial cash reserves (often 6–12 months of payments)
- Low debt-to-income ratio (generally below 43%)
- Full income and asset documentation required
Explore More
Other Loan Products
Ready to Get Started?
Apply in minutes and get pre-approved fast. Our team is here to walk you through every step of the jumbo loans process.
Average pre-approval time: under 24 hours