Purchase
Jumbo Loan
Financing above conforming limits, without the runaround.
Loan size
Above conforming limits
Down payment
From 10%
Reserves
Typically required
Terms
Fixed & ARM
Overview
When your loan exceeds conforming limits, you need a jumbo product. Our wholesale network lets us compete aggressively on rate and structure for high-balance and luxury purchases.
Best for
- High-value and luxury home purchases
- Strong-credit, high-income borrowers
- Buyers in high-cost markets
When it's not the fit
- Your loan fits within conforming limits (conventional is simpler)
- Your reserves or documentation are thin
How it works with BISU
- 1
We map your purchase against conforming limits in your county.
- 2
We pre-position reserves and documentation for a clean approval.
- 3
We shop jumbo investors for the sharpest pricing.
- 4
We manage the appraisal and underwriting to close on time.
Frequently asked
Are jumbo rates always higher?
Not necessarily. With strong credit and reserves, jumbo pricing can be very competitive — sometimes better than conventional.
Compare with other programs
View all loan programs →