jumbo loan

High-value home financing — without the big-bank runaround.

At ASJ Mortgage Solutions, LLC, we specialize in helping Arizona homebuyers secure the financing they need for exceptional properties. A jumbo loan is designed for homes that exceed standard lending limits, making it the go-to option for high-value purchases.

Whether you’re buying your dream home, a vacation property, or a high-end investment, our team will guide you through every step—ensuring a smooth process with competitive rates and personalized support.

What Is a Jumbo Mortgage?

A jumbo mortgage is a home loan that exceeds the Federal Housing Finance Agency (FHFA) conforming loan limits. In most areas, that’s $510,400 for a single-family home (higher in select high-cost markets).

Unlike conforming loans, jumbo mortgages are nonconforming—meaning they aren’t backed by Fannie Mae or Freddie Mac. This allows more flexibility in property types and loan structures but also comes with stricter qualification requirements.

Who Is a Jumbo Loan For?

Jumbo loans are ideal for buyers who

  • Need to finance high-value homes beyond conforming limits

  • Have strong credit (often 700+) and stable income

  • Can meet down payment and reserve requirements

  • Are purchasing luxury, investment, or second homes

Qualification Requirements

While requirements vary by lender, common criteria include

  • Credit Score – Often 700+, some require 720 or higher

  • Debt-to-Income Ratio (DTI) – Usually under 43% (preferably closer to 36%)

  • Cash Reserves – 6–12 months of mortgage payments in savings or investments

  • Documentation – Income verification, tax returns, bank statements, and proof of assets

Down Payment & Rates

  • As low as 5% down (10% more common) depending on qualifications

  • Competitive interest rates—sometimes even lower than conforming loans

  • Fixed and adjustable-rate options available

Benefits of Jumbo Mortgages

  • Finance luxury and high-cost homes with a single loan

  • Use for primary residences, vacation homes, or investment properties

  • Flexible terms with fixed-rate or ARM options

  • Competitive APRs that can rival conforming loans

If you’re ready to invest in a high-value home, our jumbo mortgage options can make it happen—without unnecessary complications.

Get Started Today

Whether you’re buying, renovating, or refinancing, we’ll help you secure the right

loan for your needs—quickly and confidently.

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Information is subject to change and does not constitute a loan approval or commitment to lend. Applications subject to credit and underwriting review. Not for use in NY.


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