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Jumbo Loan

If you need a mortgage and the loan amount exceeds the conforming loan limit, then a jumbo loan could be right for you.

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Key Features

Best option for loan exceeding the conforming limit

Can get with as little as 10% down

Choose from a variety of loan programs



Jumbo loan options for higher-priced homes.

When the loan amount you need is greater than the current conforming limit set by Fannie Mae (FNMA) and Freddie Mac (FHLMC), then you need what is called a jumbo loan. jumbo home loans, like conventional loans, can be a fixed-rate mortgage, VA jumbo loans, adjustable-rate mortgage or FHA loan. At NASB, we understand your needs and can assist you with securing a jumbo loan at a great rate. Our team of top mortgage professionals are committed to making sure your experience is positive and rewarding, and our 82 Net Promoter Score* can back up that commitment.

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Jumbo Loan Guidelines and Requirements

To qualify for a jumbo loan, there are certain requirements and guidelines to consider:

  • Loan amounts up to $1,250,000 with higher limits considered upon qualification
  • $200,000 minimum loan amount
  • 20% down payment, or 10% with mortgage insurance
  • A maximum debt-to-income ratio of 43%
  • Six months of principal, interest, taxes, and insurance in reserves
  • Two-year seasoning required on bankruptcy, four years on short sale or foreclosure
  • Full appraisal required
  • Get the most up-to-date rates available
  • For purchase or refinance, all loan types
  • 15-year and 30-year term options
  • A variety of mortgage payment calculations
  • Learn which loan is better for you
  • Help to make term and loan type decisions
What Our Customers Say
Mohit M., May 25, 2021
★★★★★ (5)

"NASB always makes it easy and transparent to work with them. I know upfront what to expect - they're clear in their communication and keep their word. This was my third interaction with them and it's a fantastic experience working with the NASB team."


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Local banking. National lending.

30 billion dollars in home loans

In the last decade based on lender data

82 "World-class" Net Promoter Score*

Based on 544 NASB closed loan customer surveys from 12/1/2021 to 7/27/2022

100,000 home loan customers since 2010

Based on lender data

Nationally competitive products. Individualized service.

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*According to Bain and Company, the source of the Net Promotor Score (‘NPS’) system, a score of 50 is excellent, and anything above 80 is world-class.