Facebook Pixel

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.

Check today's rates 

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.

Let's get started!

Answer a few simple questions to get your personalized recommendations.

What type of loan are you looking for?



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."


NerdWallet_FTHB award-green
NerdWallet_2x Winner
NerdWallet_VA award-green

©2017-2022 and TM, NerdWallet, Inc. All Rights Reserved.

100,000 home loan customers since 2010

Based on lender data

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

Nationally competitive products. Individualized service.

kc skyline

*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.