Jumbo Loans That Elevate Your Options

Unlock more buying power with jumbo loans designed for larger properties and bigger goals.

When your goals go beyond the usual, a Jumbo loan lights the way.

Some homes require more than a standard mortgage can offer. Whether you’re drawn to luxury living in the city, a premium property in the suburbs, or even a spacious countryside estate, a jumbo loan can help make it happen.


At Luminate Bank, we’ll guide you through the process, answer all your questions, and keep your interests front and center. We’re here to help you feel informed and empowered, because buying your next home should feel like a dream, not a hassle.

What is a Jumbo Loan?

A jumbo loan (sometimes called a non-conforming loan) is a mortgage that exceeds the standard loan limits set by the Federal Housing Finance Agency (FHFA). This type of loan is designed for buyers looking to finance high-value properties that go beyond conventional loan limits.


Since jumbo loans aren’t eligible to be purchased or guaranteed by Fannie Mae or Freddie Mac, they come with their own set of requirements, like a stronger credit profile and a higher down payment. But they also offer competitive rates, flexible terms, and access to homes you might not be able to finance otherwise.


What about USDA jumbo loans?

For qualified buyers purchasing in rural areas, USDA jumbo loans may also be an option worth exploring. We can help you determine if this unique combination of rural property and higher-value loan is the right fit for you.

Why choose a Jumbo Loan?

If you’re in the market for a luxury property or an upscale home that exceeds typical financing limits, a jumbo loan is often the best way to secure the home you want.

Jumbo Loan Highlights

Not sure if you qualify? That’s okay—our team is here to guide you. Generally, you’ll need a favorable debt-to-income ratio, a strong credit score, and funds for a larger down payment. But every situation is different, and we’ll work with you to explore all your options.


  • Up to 90% financing with as little as 10% down—no PMI
  • Fixed-rate options: 30, 20, and 15-year terms
  • Interest-only and adjustable-rate programs available
  • Future income from a signed job offer or contract may qualify (perfect for relocation clients)

Why choose a Jumbo Loan?

If you’re in the market for a luxury property or an upscale home that exceeds typical financing limits, a jumbo loan is often the best way to secure the home you want. Here are just some of the benefits:

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Competitive Interest Rates

Even with higher loan amounts, rates remain competitive.

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Premium Property Standards

Ideal for superior, high-quality real estate.

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Flexible Credit Criteria

More options for buyers with strong financial profiles.

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Access to High-Value Homes

Finance homes and estates beyond standard loan limits.

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Higher Loan Amounts

Go above conventional limits to fund your dream home.

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Seller Concessions

Negotiate help with closing costs, even in luxury markets.

Still deciding if a Jumbo Loan is right for you?

You don’t have to figure it out alone. At Luminate Bank, we believe in keeping things clear, honest, and approachable. We’ll help you compare your options, weigh the benefits, and make a confident choice that aligns with your goals.


We believe character counts, and we’re committed to staying humble, transparent, and diligent throughout your homebuying journey. Let’s find the right path to your next home—together.

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