High Value

Jumbo Loans

Above the limit, without the compromise.

If you are purchasing above the conforming loan limit of $806,500 in most of Eastern WA and North Idaho in 2026, you will need a jumbo loan. These products require a stronger financial profile but offer competitive rates and real flexibility for higher-value purchases.

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Who it’s for

Jumbo loans are for buyers purchasing above the conforming loan limit who have strong credit, typically 700 or above, a larger down payment of 10 to 20% or more, and a well-documented income history. They are available for primary homes, second homes, and investment properties.

Key benefits

✓Loan amounts above the $806,500 conforming limit

✓Competitive rates from a network of private lenders

✓Available for primary homes, second homes, and investments

✓Flexible qualification options for high-asset borrowers

✓Fixed and adjustable rate options available

Common questions

What people ask about jumbo loans

What credit score do I need for a jumbo loan?

Typically 700 or above, though requirements vary by lender and loan size.

How much do I need to put down?

Usually 10 to 20% or more depending on the loan amount and your financial profile.

Are jumbo rates higher than conventional rates?

Not always. In many cases jumbo rates are very competitive, especially for well-qualified borrowers.

Ready to see if this is right for you?

Let’s run the numbers together and find out exactly what you qualify for. No pressure, no commitment.

Get Pre-Approved Call (253) 417-8790

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Not sure this is the right fit? Browse all available programs.

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