What is Jumbo Loans?
Jumbo loans are mortgage loans that exceed the conforming loan limits set by the Federal Housing Finance Agency (FHFA). Because they cannot be purchased by Fannie Mae or Freddie Mac, jumbo loans are held in portfolio by lenders, which allows for more flexible underwriting criteria despite the larger loan amounts.
At Roxford Holdings, our jumbo loan program provides financing for luxury properties and high-value homes across the United States. We offer competitive rates that are often comparable to — and sometimes lower than — conforming loan rates for well-qualified borrowers.
Jumbo loans are available in both fixed and adjustable rate configurations with terms from 15 to 30 years. While they typically require higher credit scores and larger down payments than conforming loans, our portfolio lending approach allows us to offer flexible solutions for high-net-worth borrowers.
How it compares: Jumbo loans serve the same purpose as conventional loans but for higher amounts. They may require more documentation and higher credit scores, but rates are often surprisingly competitive.
Who Qualifies for Jumbo Loans?
How to Apply for Jumbo Loans
Apply with Roxford Holdings and provide comprehensive financial documentation
Receive a personalized jumbo loan quote with rate and term options
Complete the property appraisal (may require two appraisals for very high values)
Undergo enhanced underwriting review of assets, income, and reserves
Close on your luxury home — typically within 30-45 days
Key Features
Benefits
Requirements
Excellent credit (typically 700+)
Low debt-to-income ratio
Significant down payment (10-20%+)
Substantial cash reserves
Documented income verification
Frequently Asked Questions
Jumbo loan limits vary by county. In most areas, loans above $766,550 are considered jumbo loans, though high-cost areas have higher limits up to $1,149,825.
Not necessarily. Jumbo loan rates are often competitive with conforming loan rates and sometimes even lower, especially for well-qualified borrowers.
Yes, Roxford Holdings offers jumbo loans with as little as 10% down for qualified borrowers, though 20% down will typically result in better rates and no PMI.
Ready to Get Started with Jumbo Loans?
Get personalized rate quotes and expert guidance for your jumbo loans needs.
"They explained to us in very detailed step by step information for first time house buyers."
Jessica A.
First Time Home Buyer
Roxford Holdings Inc
"Buying my first home was something I thought would be impossible, but Martin and his team made the whole process smooth and possible. I highly recommend working with him and his team, they really do make dreams come true."
Rigo D.
First Time Home Buyer
Roxford Holdings Inc
"Martin helped my husband and I refinanced our mortgage. We went to several locations; however, I'm glad we didn't settle. Martin was able to lower our interest rate. The process was fast and smooth; which, it is highly appreciated. Martin, is knowledgeable and respectful. Thanks Martin!!!!"
Araceli M.
Mortgage Refinance Client
Roxford Holdings Inc
"They explained to us in very detailed step by step information for first time house buyers."
Jessica A.
First Time Home Buyer
Roxford Holdings Inc
"Buying my first home was something I thought would be impossible, but Martin and his team made the whole process smooth and possible. I highly recommend working with him and his team, they really do make dreams come true."
Rigo D.
First Time Home Buyer
Roxford Holdings Inc
"Martin helped my husband and I refinanced our mortgage. We went to several locations; however, I'm glad we didn't settle. Martin was able to lower our interest rate. The process was fast and smooth; which, it is highly appreciated. Martin, is knowledgeable and respectful. Thanks Martin!!!!"
Araceli M.
Mortgage Refinance Client
Roxford Holdings Inc