Jumbo Loan | Bay Equity Home Loans

Jumbo Loans


No dream is too big when there’s a big plan to get you there.

What is a jumbo loan?


Jumbo loans are a special financing option for loan amounts exceeding the conventional conforming loan limit. While that current loan limit is $484,350 for most of the U.S. ($726,525 for AK and HI), we offer a variety of jumbo loan programs with fixed or adjustable rates to help people purchase their dream home.

Talk to one of our experienced loan officers to better understand your jumbo loan options.

What are the benefits of a jumbo loan?


  • Interest rate is comparable to a conventional loan
  • Rewards those with great credit
  • Lets you choose between fixed and adjustable rates

What are the current jumbo loan rates?


Interest rates on jumbo loans change all the time based on market trends. While we can’t guarantee your specific rate here and now, talk to one of our loan officers to lock in your exact interest rate.

How do I qualify for a jumbo loan?


Qualifying for a jumbo loan takes a couple more steps than most other loans. Check out the jumbo loan requirements below, talk to one of our loan officers to see if a jumbo loan is right for you.

Some jumbo loan requirements

  • Credit score of at least 661
  • Large down payment
  • Verified proof of income
  • Debt-to-income ratio (DTI) up to 43%
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Home-buying by numbers

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Your monthly mortgage
Estimate includes principal and interest only. It does not include taxes and insurance. Talk to a loan officer for specific calculations.

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What’s your monthly payment?


Estimate your monthly mortgage with this home loan calculator. Just remember, your results are only estimates.

Talk to one of our loan officers to get an official figure. We’re here to help.

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