Jumbo Loan

A Jumbo Loan is a popular program if you want to buy a more expensive home. What are the benefits of a Jumbo Loan?

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Higher Loan Limits

Higher Loan Limits

Helps borrowers access a loan that goes beyond the limits of conventional loans. The loan limit is based on location, but in general helps homeowners purchase homes priced over $424,000 (the conforming loan limit).


Variety of Loan Terms

Lenders have a little bit of leeway with the terms of a Jumbo Loan because these loans aren’t backed by the government. Unlike other loan options, you won’t necessarily be locked into a 15 or 30 year mortgage.

Fixed and Adjustable Rates

Fixed and Adjustable Rates

You only need a single loan to purchase your dream home. Choose the terms that work best for you. Fixed rates lock you into an interest rate for the life of the loan. An adjustable rate fluctuates with the market but typically starts lower.

Steps to a Jumbo Loan

Once you find the right program for you, the process is as simple as 1, 2, 3!

  • STEP 1

    Get Pre-Approved

    Our mobile app, Mortgage Express, helps you get pre-approved quickly. It’s secure and you can upload all required documents straight into the app to save you time and energy.

  • STEP 2

    Talk to a Mortgage Consultant

    Your mortgage consultant will keep you and your agent updated every step of the way with our Milestone Updates.

  • STEP 3

    Close on Your Loan

    Your consultant will assist you with everything you need and help you setup your closing appointment.

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Bailey and Wood makes financing your Dream Home easy! What makes us different? We’re local, have in-house processing, and give back to the communities we service!

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Bailey & Wood loves supporting our community anyway we can! Which is why we have developed the Hometown Hero Program to assist veterans, first responders, teachers, and more with financing their dream home!

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“The professionals at Bailey and Wood got me into a mortgage. I needed to get approved quickly in order to get the property and they were fast processing the loan paperwork in order to get me to close. I Will use them again!!”
Mike J.

Jumbo Loan Frequently Asked Questions

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