Jumbo Loans
If you're looking for a luxury home or you live in an especially expensive community, you might consider getting a jumbo loan. Instead of tying up all your cash, you could qualify for a bigger loan amount than with a traditional mortgage.
The Federal Housing Finance Agency (FHFA) sets conforming loan limits every year. For 2025, the conforming loan limit for single family homes is $806,500 in most of the country and $1,209,750 in designated high-cost areas.
Because they exceed conforming limits, jumbo loans are non-conforming and are ineligible to be purchased or guaranteed by Fannie Mae and Freddie Mac. Unlike conforming loans, there are no set limits for jumbo loans. Investors offering jumbo financing can determine their own requirements, including maximum loan amounts (up to several million dollars, in some cases).
Qualifying for a Jumbo Loan:
Generally, you'll need an excellent credit score, a substantial down payment, significant cash reserves or savings, and a low debt-to-income (DTI) ratio.
Jumbo Loan Benefits:
- Enable buyers to apply for larger home loans
- More opportunity to negotiate fees and interest
Your interest rate stays fixed for the life of the loan.
Your interest rate changes according to a preset schedule.
Popular with first-time buyers, this loan has a minimum 3.5% down payment and low interest rates.
Loan for eligible veterans and active-duty service members, with no down payment in most cases.
Shopping for a higher-priced property? Lock in a competitive rate and stable monthly payments on your ultimate dream home.
USDA Loans offer no-money-down mortgages for rural and suburban buyers.
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Positively Life Changing
Cornerstone Home Lending has assisted families with more than 500,000 home-financing transactions since our inception in 1988. For over 35 years, we have strategically positioned ourselves for steady, sustainable growth without losing sight of our mission: To make a positive difference in the lives of others.
In October 2022, Cornerstone acquired and merged with The Roscoe State Bank, the oldest bank in Nolan County, Texas with roots dating back to 1906, to create Cornerstone Capital Bank. The institutional banking division offers deposit and lending services to community banks across the country. Through our continued expansion, our mortgage team can now originate loans in 45 states and Washington, D.C. Cornerstone can also provide full-service, in-house loan servicing operations.
Adding banking and loan servicing platforms to our growing residential lending services empowers our loan officers to make a lasting impact in their clients’ and partners’ lives long after closing.