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Jumbo Home Loans

If you are looking at a luxury home or live in an area of the country where the cost of living is high, a jumbo loan may be the answer.

What you need to know about jumbo financing

If you are looking to borrow more than the conforming loan limits allow, you may need to consider jumbo financing. Our approach to jumbo financing isn’t one-size-fits-all.

Our team provides a consultative approach to finding solutions to meet your financing goals.

Our team can work in tandem with your financial team or personal assistant. As with all loans, a review of your credit score, debt and assets will be required to meet jumbo guidelines.

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Low down payments & flexible mortgage insurance options

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Higher debt-to-income ratios 

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Lower credit score requirements

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Loan amounts up to $3 million

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Jumbo-size dreams? Our team has options!
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Common jumbo questions, answered.

Unlike conventional loans, jumbo loans can not be sold to Fannie Mae or Freddie Mac but are sold on the secondary mortgage market to investors. Due to loan size, these investors are looking for borrowers who meet strict guidelines. This may include:
  • Cash reserves
  • Higher closing costs
  • Additional proof of consistent income
  • Manual review by a trained jumbo underwriter
A conventional high-balance loan will allow loan amounts up to $822,375 for a single-family unit in a high-cost area, such as San Francisco. Guidelines may be more flexible with lower costs than a jumbo loan. For more information, check out our blog.
Yes! The Veteran’s Administration (VA) offers jumbo loans to qualifying service members.

Since 1987, Premia Relocation Mortgage has built a customer-centric service model based on two principles - great people and industry-leading technology. We combine a knowledgeable mortgage team with an interactive mortgage application to make the mortgage process easy.

The Team
We listen; our experienced team averages over 15 years in the mortgage industry and can offer choices fitting the needs of all types of buyers. They will treat you like family and strive to exceed your expectations.

The Technology
Our DigitalMoveTM technology eases the process. With anytime-access, you will not wonder about where you are in the mortgage process.

  • Pre-purchase approvals that bring power to the negotiation table
  • Enhanced Security during the mortgage process
  • Electronic verification of employment, income and assets
  • Waiving the need for an onsite appraisal for qualifying buyers
  • DigitalMoveTM eClosing *DigitalMoveTM eClosing availability based on state and closing agent.

We've got stars and we're proud...

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Rob T.

APR 29, 2021

“Jim and Ted both went above and beyond to process our loan in record time! They were both absolutely great to deal with!” - ”Jim and Ted both went above and beyond to process our loan in record time! They were both absolutely great to deal with!”

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Matthew J.

FEB 19, 2021

“Jeff was very knowledgeable regarding us using my VA Loan and helped us lock-in a long term rate. This was a huge plus since we were building a house and wanted to secure a rate on the front end to eliminate any unexpected surprises.”

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Justin R.

MAY 29, 2021

“Jason West was great to work with. I felt he did everything he could to ensure we had a successful and straight forward process. He was very proactive and transparent throughout the loan process and was available to take a call at any time.”

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Prasad S.

APR 19, 2021

“Both Frank and Dan demonstrated the highest levels of professionalism in handling my mortgage. I wish them every success in their future endeavors.”

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Matthew J.

MAR 2, 2021

“The whole process was well managed by Joseph and team. It was easy, transparent and honest. I really enjoyed working with Premia Relocation Mortgage team. Thank you!!!”

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Yantian P.

DEC 31, 2020

“Overall I had a great experience at Premia Relocation Mortgage. Billy Nocita my mortgage consultant and Alyse Martin my Loan Processor were awesome. They did a great job. Responded to my calls on time and explain the mortgage loan and processes clearly in simple terms for me to understand. Billy always sounded happy in our conversation and the help me to relax. Moving or relocating is very stressful, so it was great to have that.”

Jumbo home loan questions? Let's chat!