Jumbo Loans — Financing for High-Value Homes Above Loan Limits
Jumbo home loans for properties exceeding 2026 conforming loan limits ($832,750 most counties, $1,249,125 high-cost areas) in Virginia, Maryland, and DC.
What Are Jumbo Loans?
Jumbo loans are mortgages that exceed the conforming loan limits set by the Federal Housing Finance Agency (FHFA). In most U.S. counties, the 2026 conforming loan limit is $832,750. However, in high-cost areas like the DC metro region — including Northern Virginia and Montgomery County, MD — the limit is $1,249,125.
Because jumbo loans cannot be sold to Fannie Mae or Freddie Mac, lenders take on more risk and typically require stricter qualification criteria: credit scores of 700 or higher, down payments of 10-20%, and lower debt-to-income ratios than conventional loans.
In Northern Virginia, many homes in areas like McLean, Great Falls, Arlington, and Fairfax County exceed the conforming loan limit and require jumbo financing. Loans with Nixon works with multiple lenders to find competitive jumbo loan rates for high-value properties.
Frequently Asked Questions
What is a jumbo loan?
A jumbo loan is a conventional mortgage that exceeds the conforming loan limits set by the Federal Housing Finance Agency. For 2026, the conforming loan limit is $832,750 in most counties and $1,249,125 in high-cost areas.
How do I get a free mortgage quote?
You can get a free mortgage quote by using our online Loan Qualifier tool. Fill out your basic information and receive personalized loan options in minutes with no obligation.
Do you serve Virginia, Maryland, and Washington DC?
Yes, Loans with Nixon is licensed to offer FHA, VA, conventional, jumbo, and Non-QM mortgage loans in Virginia, Maryland, and Washington DC. Call 703-303-3000 to speak with a licensed loan officer.