If your mortgage exceeds these limits—known as the conforming loan limits—you’ll need to get a jumbo mortgage instead. While jumbo mortgage rates are often higher than conforming loan rates ...

A jumbo mortgage exceeds the annual loan limit set by the Federal Housing Finance Agency. In 2025, that ceiling is $806,500 for a single-family home in most of the U.S. However, some high-cost ...

A jumbo loan is a mortgage for more than $806,500 in 2025. You'll have to meet stricter requirements to receive a jumbo loan, including a bigger down payment. Jumbo mortgage rates may be lower ...

Reviewed by Margaret James Fact checked by Betsy Petrick Jumbo vs. Conventional Mortgages: An Overview Jumbo and conventional mortgages are two types of financing borrowers use to purchase homes. Both ...

Mortgages are among the types of debt that can actually build your wealth. That’s because when you take out a mortgage, ...