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Jumbo loan

More borrowing power, more benefits

A jumbo mortgage can help you get the financing you need in today's market. Plus, Wells Fargo customers may qualify for special relationship discounts.

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What is a jumbo loan?

Jumbo loan basics

  • A jumbo mortgage has a loan amount higher than the conforming loan limit set by the Federal Housing Finance Agency (FHFA). That means it can't be sold to Fannie Mae or Freddie Mac, which makes it riskier for the lender.
  • Because of the added risk, jumbo loans usually have higher qualification standards for borrowers.
  • Jumbo loan amounts are available with a variety of fixed rate and adjustable rate mortgage terms.

Jumbo loan benefits

  • If you're a Wells Fargo customer with at least $250,000 in eligible assets, you could get a lower interest rate on a jumbo loan with our customer relationship discount.
  • You can use a jumbo loan to finance a primary home, second home, or investment property.
  • A larger loan amount can help if you're buying in a high-cost area or need to refinance a mortgage with a high balance.
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Already a Wells Fargo customer?

You may be able to lower your interest rate even further on a new jumbo loan, based on your eligible assets with Wells Fargo.

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Other mortgage loan types to consider

Fixed-rate mortgage

Predictable payments for the life of your loan

Learn more

Adjustable-rate mortgage

Lower introductory rate, which changes periodically in the future

Learn more

FHA loan

Flexible credit and income guidelines with down payments as low as 3.5%

Learn more

VA loan

Financing for service members through the Department of Veterans Affairs

Learn more

FHA loans have the benefit of a low down payment, but consider all costs involved, including up-front and long-term mortgage insurance and all fees. Ask your home mortgage consultant to help you compare the overall costs of all your home financing options.

Get a customized rate and payment

See how much you could qualify to borrow and what your estimated rate and payment would be. It takes just a few minutes and won’t affect your credit score.

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Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A.

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