Jumbo Loans
If you’re planning to purchase a luxury home or invest in a property that exceeds standard loan limits, a Jumbo Loan from Choice Mortgage Group may be the right solution. These non-conforming loans go beyond the borrowing limits set by the Federal Housing Finance Agency (FHFA) and are designed for borrowers purchasing in high-cost markets or financing larger properties.
At Choice Mortgage Group, we understand that high-value financing requires more than just numbers—it demands trust, guidance, and tailored support. As homeowners ourselves, we know the importance of simplifying the process while delivering unmatched service every step of the way.
Why Choose a
Jumbo Loan?
- Finance up to $5 million: speak to a loan officer about options over this amount
- Down payments as low as 10% (with no mortgage insurance)
- Fixed-rate or adjustable-rate loan options
- Available for primary residences, second homes, and investment properties
- Loan terms ranging from 10 to 30 years
Fixed or Adjustable: What
Works Best?
Fixed-Rate Jumbo Loans
For buyers who plan to stay long-term, a fixed-rate option offers consistency and peace of mind. Your monthly principal and interest payments remain the same over the life of your loan—no surprises, just stability.
Adjustable-Rate Jumbo Loans (ARMs)
If you’re purchasing a short-term property or anticipate selling or refinancing before the fixed period ends, an ARM may offer a lower starting rate. While your rate may adjust in the future, all ARMs include safeguards with caps on how much the rate can rise.
What You’ll Need to Qualify
Because jumbo loans aren’t backed by government agencies, approval is based on stronger borrower qualifications:
- Excellent credit
- Low debt-to-income (DTI) ratio
- Strong asset and income documentation
Your dedicated loan officer will walk you through each step, ensuring your financing aligns with your goals—whether that’s moving into your forever home or growing your real estate portfolio.
Ready to Begin?
We’ve made applying for a Jumbo Loan straightforward and stress-free.
At Choice Mortgage Group, we’re turning homeownership dreams into reality—one personalized loan at a time.