Standard loan limits shouldn’t stand between you and the home you want. Our jumbo and super jumbo loan options are built for buyers who need larger financing — with competitive rates and terms that work for your situation. Get your free quote today.
When a Conventional Loan Simply Isn’t Enough
Conforming loan limits — the maximum amounts that Fannie Mae and Freddie Mac will purchase from lenders — are set each year and vary by location. In many markets, especially higher-cost metro areas, those limits fall well short of what buyers actually need to finance the home they’re targeting. That’s exactly where jumbo loans come in.
A jumbo loan is any mortgage that exceeds the conforming loan limit for a given area. For buyers purchasing luxury properties, homes in high-cost markets, or investment properties at the higher end of the price spectrum, jumbo financing is often the only path that gets the deal done. And with the right lender and the right team, getting a jumbo loan doesn’t have to be complicated.
At NEXA Lending, we work with a broad network of lenders who specialize in large-balance financing. That means more options, more competitive rates, and a team that knows exactly how to navigate the jumbo loan process from application to closing.
A jumbo mortgage is a home loan that exceeds the conforming loan limits established by the Federal Housing Finance Agency (FHFA). These limits are updated annually and differ by county. Any loan amount above the applicable conforming limit for a given area is considered a jumbo loan and must meet the underwriting standards set by the individual lender rather than Fannie Mae or Freddie Mac guidelines.
Super jumbo loans take things a step further — these are typically defined as loans that exceed $2 million, though exact thresholds vary by lender. Super jumbo financing is used for ultra-premium properties, estate purchases, and high-net-worth borrowers with complex income profiles.
Because jumbo loans carry more risk for lenders — they can’t be sold to Fannie Mae or Freddie Mac — borrowers are generally held to stricter qualification standards. A stronger credit score, lower debt-to-income ratio, larger cash reserves, and a more detailed documentation process are all typical requirements. However, for well-qualified borrowers, jumbo loans can offer very competitive rates and flexible structures.
Our team at NEXA Lending has deep experience with large-balance lending. We’ll help you understand the qualification requirements, compare options across multiple lenders, and move through the process efficiently so you can close with confidence.
Start by filling out our quick qualifier with basic details about your financial profile, target loan amount, and property goals. It takes just a few minutes and gives us what we need to assess your options across our lender network.
We’ll pull together jumbo loan options specifically structured around your loan amount, credit profile, income documentation, and reserve requirements. You’ll see real numbers — not estimates — so you can evaluate your options with confidence.
Jumbo lending varies more across lenders than conforming lending does. We’ll walk you through the differences in rate, structure, documentation requirements, and closing costs so you can choose the option that best fits your complete financial picture.
Once you’ve chosen your loan, our team manages the process through to closing — coordinating documentation, appraisals, underwriting, and communication with all parties so your transaction stays on track.
