Jumbo Loan Mortgage Rates - Mar 2, 2026

Jumbo loans begin where conforming limits end — $806,500 in most areas for 2025, higher in designated high-cost counties. Above that line Fannie Mae and Freddie Mac won't buy the loan, which means different underwriting, stricter requirements, and rates set by portfolio lenders rather than the secondary market. Strong credit and solid reserves go further here than anywhere else in mortgage lending.