Jumbo Loans

At Broadview Lending powered by Barrett Financial LLC, we're here to help you finance luxury or high-cost properties with confidence. For 2025, the Federal Housing Finance Agency (FHFA) has updated the conforming loan limits—which determine whether a mortgage is considered "jumbo."

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2025 Conforming Loan Limits

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• Baseline conforming limit for a one-unit property (most of the U.S.): $806,500 — a 5.2% increase from 2024. 

• High‑cost area ceiling (e.g., Los Angeles, New York counties, select markets): Up to $1,209,750, which is 150% of the baseline. Multi‑unit properties (baseline vs. high‑cost ceilings):

• • 2‑unit: $1,032,650 → $1,548,975

  • 3‑unit: $1,248,150 → $1,872,225

  • 4‑unit: $1,551,250 → $2,326,875 

 

If your desired loan amount exceeds these county-specific conforming thresholds, you’ll fall into jumbo loan territory.

 

What Is a Jumbo Loan?

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A Jumbo Loan is a mortgage that surpasses the conforming loan limits. These loans are not eligible for purchase by Fannie Mae or Freddie Mac, making them non-conforming and typically carrying stricter qualification requirements and potentially higher rates.

 

Key Highlights: Why Jumbo Loans Differ

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• Higher Barriers to Entry: Expect more stringent criteria such as:

  • Credit scores typically 700+

  • Down payments of 10–20% or more

  • Lower debt-to-income ratios and more cash reserves

• Single Loan Solution: Finance high-value or multi-unit properties in one convenient loan without juggling multiple conforming loans.

 

Why Choose Broadview Lending powered by Barrett Financial LLC?

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Our expertise in jumbo financing means:

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• Competitive rates and access to multiple lenders

• Efficient process tailored to high-value transactions

• Personalized solutions for your luxury real estate goals