Jumbo Mortgages/Adjustable Rate Loans

Similar to conforming loans, a “Jumbo Loan” mortgage allows loan amounts to exceed the limits set by the Office of Federal Housing Enterprise Oversight (OFHEO), and therefore are not eligible to be purchased, guaranteed or securitized by Fannie Mae or Freddie Mac. The conforming limit is $417,000 in most areas. Rates are typically slightly higher and qualifying standards are stricter than conforming loans.

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