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Purchase Loan

Jumbo Loan

Financing above conforming limits.

Overview

Jumbo loans finance amounts above conventional conforming loan limits, used for higher-priced homes. They usually require stronger credit and larger down payments.

Ideal For

Buyers purchasing above the conforming loan limit for their area.

Program Highlights

  • ✓Loan amounts above the conforming limit ($832,750 for a one-unit home in most counties in 2026)
  • ✓Typically requires higher credit scores and cash reserves
  • ✓Down payment requirements vary by lender and loan size

Program terms and eligibility are subject to underwriting guidelines and may vary. 1st 2nd Mortgage Co. of N.J., Inc. is licensed in DE, VA. NMLS # 115981.