Jumbo loans are home purchase loans designed for larger purchases that come with significantly higher limits and tougher guidelines.


They’re perfect New York mortgage and New Jersey mortgage options for families that require extensive living space, or for homebuyers who are looking for exquisite luxury homes.

They usually come with:

  • Unbeatable flexibility: Available in every product and loan term, from 3, 5, 7 and 10 adjustable rate mortgages (ARMs) to 10, 15, 20, or 30-year fixed-rate New York or New Jersey mortgages!

  • Higher loan limits: Borrow up to $3 million for higher-end properties!

  • Affordable down payments: Borrow up to $1 million with only 20% down!

Choosing The Right Jumbo Loan


Jumbo refinance or home purchase loans aren’t the best choice for everyone, and you should always match a loan to what your budget will allow. Also, there are risks associated with borrowing such a large amount of money.


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EDUCASA is a National Home Buying Program and private organization and is not a government agency. EDUCASA is not a lender, has no corporate affiliation with the above preferred lenders and receives no compensation in connection with any mortgage loans.  Only Loan Officers that are EDUCASA Certified Program Specialist with our preferred lenders are eligible to participate in our preferred lender program.  EDUCASA does not sell leads or information and does not collect or store buyer's financial information.  EDUCASA direct Grants are funded by participating Realtor® Partners.  EDUCASA may also provide information on non-exclusive government grant and down payment assistance programs, where available.  Programs vary by state and all grant, down payment assistance and savings amounts are estimates.  You must be represented at closing by am EDUCASA Realtor® Partner to receive the Realtor® rebate portion of the EDUCASA grant.  Realtor® rebates are not available in AK, KS, LA, MS.  Benefits received may be affected by home price, for sale by owner properties (FSBO’s), new construction or other factors.  You must work with an EDUCASA preferred lender to receive additional benefits.