Jumbo Loans in Fairfax County

Detailed Information

Fairfax County is one of the wealthiest counties in the United States, with many homes exceeding the 2026 conforming loan limit of $1,249,125. In areas like McLean, Great Falls, Vienna, and Tysons, luxury homes routinely require jumbo financing. Loans with Nixon works with multiple lenders to secure competitive jumbo loan rates for Fairfax County buyers. Jumbo loans typically require a credit score of 700+, a down payment of 10-20%, and a lower debt-to-income ratio than conventional loans.

Loan Programs

• FHA Loans — 3.5% down payment, credit scores from 580, ideal for first-time home buyers
• VA Loans — Zero down payment for veterans, active-duty military, and surviving spouses
• Conventional Loans — Fannie Mae and Freddie Mac, financing up to 97%, credit from 620
• Jumbo Loans — For properties exceeding 2026 conforming loan limits ($832,750 most counties)
• Non-QM Loans — Bank statement loans for self-employed, 1099 income, DSCR, and ITIN loans

Educational Guides

• FHA Down Payment Guide
• VA Funding Fee Guide
• Bank Statement Loans Guide
• ITIN Loans Guide
• 10% Down Bank Statement Loans
• FHA vs Conventional Loans