High-Value Financing
Without the Headaches
Buying above the conforming limit doesn't have to mean a worse deal. Jumbo loans offer competitive rates, flexible terms, and the ability to buy the home you actually want โ not just what a standard loan will allow.
When Your Purchase
Exceeds the Limit
Fannie Mae and Freddie Mac set annual limits on the mortgages they'll purchase from lenders. In 2026, that limit is $832,750 for a single-family home in most counties. A loan that exceeds that limit is called a jumbo loan โ because it can't be sold to Fannie or Freddie.
Without that government backstop, lenders hold jumbo loans on their own balance sheets. That means slightly stricter qualification requirements โ but it also means more flexibility in loan structure, and rates that are often closer to conforming than most buyers expect.
Quazel shops jumbo across multiple portfolio lenders. That means you're not stuck with one bank's product or one set of guidelines. We find the lender whose jumbo program fits your specific credit, reserve, and income profile.
Three Situations Where
Jumbo Is the Answer
Jumbo Qualification โ
What's Actually Required
Jumbo lenders evaluate risk more carefully because they're holding the loan themselves. Here's what gets the most scrutiny โ and where being well-prepared makes the biggest difference.
Reserves matter more than most buyers expect. Having 12 months of PITIA in liquid or near-liquid assets tells the lender you can handle the payment even through income disruption. If you're close to the reserve requirement, we'll tell you the fastest legal ways to get there.
Self-employed? Several of our jumbo lenders offer bank statement programs โ 12 or 24 months of business or personal bank statements instead of tax returns. This is a legitimate and widely used qualification path for business owners with strong deposits but modest taxable income.
What People Get Wrong
About Jumbo Rates
Jumbo loans have a reputation for being expensive and hard to get. That reputation is outdated. Here's what's actually true in today's market:
See What a Jumbo Loan
Actually Costs Monthly
est. tax & insurance
Related Programs
Worth Knowing About
Let's Talk About
Your Jumbo Purchase
Jumbo qualification is more nuanced than a standard loan. Bring your purchase price, credit score, and income structure โ we'll tell you exactly where you stand in about 15 minutes.
New Point Lending, DBA Quazel Mortgage ยท NMLS #2133626 ยท Licensed in UT ยท ID ยท FL ยท CO ยท Equal Housing Opportunity