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What Is a Jumbo Loan?
A Jumbo Loan is a mortgage designed for higher-priced properties that exceed the
conforming loan limits set by Fannie Mae and Freddie Mac.
In most of Georgia, that limit is $766,550 for a single-family home in 2025. Any loan amount
above that is considered “jumbo.”
These loans are often used by high-income earners, business owners, and professionals
purchasing in areas like Buckhead, Alpharetta, Sandy Springs, Brookhaven, or Milton —
where home prices commonly go above conforming limits.
Why Jumbo Loans Are Popular in Atlanta
Atlanta’s real estate market continues to grow rapidly, with more buyers choosing larger homes,
investment properties, or luxury estates. Jumbo loans make these purchases possible without
having to split financing or drain cash reserves.
Here’s what makes UHome Mortgage Jumbo Loans stand out:
●✅ Loan Amounts Up to $3 Million
– Flexible financing options for luxury and high-value properties.
●✅ Credit Scores Starting at 660 – Some programs allow as low as 640
with strong compensating factors.
●✅ Down Payments Starting at 10% – We offer 10%, 15%, and 20% down
options based on your credit and loan size.
●✅ Competitive Fixed & ARM Options
– Choose between 15-, 20-, or 30-year fixed or adjustable-rate programs.
●✅ DTI Ratios Up to 45%–50% – Strong borrowers can qualify with higher debt-to-
income ratios, depending on credit depth and reserves.
●✅ No Mortgage Insurance Required
– Even with less than 20% down, MI isn’t required on most Jumbo programs.
●✅ Cash-Out & Second Homes Eligible
– Perfect for refinancing or purchasing vacation and investment homes.
●✅ Fast, Concierge-Level Service
– Our team guides you through every detail with precision and care.
Whether you’re financing a luxury home in North Fulton, a lakefront property near Lake Lanier,
or a new build on acreage, our Jumbo options make it happen smoothly.
Real UHome Mortgage Jumbo Loan Highlights
At UHome Mortgage, we have access to several competitive Jumbo programs, each tailored to
different borrower profiles. Here’s what that means for you:
●Standard Jumbo Programs
– Great for buyers with strong credit, steady income, and 10–20% down.
●High Balance Conventional Loans
– Available for loan amounts just above the conforming limit, offering near-conventional
pricing.
●Elite Jumbo Options – Designed for top-tier borrowers with 700+ credit and higher loan amounts (up to $3M+).
●Expanded Access & Alternative Documentation Jumbo Loans – For self-employed buyers, business owners, or investors who may need bank statement, 1099, or P&L-
based qualification.
Each program follows our same UHome standard: no stress, no surprises, and service that
respects your time.
Who Jumbo Loans Are Perfect For
A Jumbo Loan may be the right fit if you:
●Are purchasing a home priced above $766,550
●Have strong credit (typically 660 or higher)
●Have consistent income or business revenue
●Can make at least a 10% down payment
●Are buying a primary home, second home, or investment property
●Want flexible structures and no PMI
If you’re an entrepreneur, investor, or professional with strong income but non-traditional
documentation, our bank statement and alternative doc jumbo programs can make
qualifying simple and seamless.
Why Choose UHome Mortgage for Jumbo Financing
Our slogan says it all: Loans That Get U Home.
At UHome Mortgage, we combine local expertise with high-level execution. We understand that
Jumbo financing requires more attention, documentation, and speed — and our team delivers
that without the red tape or delay you’d find at big banks.
When you work with us, you get:
●Personalized guidance from start to close
●Access to multiple Jumbo programs and rate options
●Fast pre-approvals and smooth underwriting
●Flexible structures for self-employed and business owners
●A direct, communicative process from a local Atlanta team
We take pride in providing a concierge mortgage experience worthy of the homes we finance.
Start Your Jumbo Loan Journey Today
Whether you’re buying your dream home, expanding your portfolio, or refinancing a luxury
property, our team is ready to help.
Let’s build a custom Jumbo loan strategy designed specifically for your goals.
Get a free instant rate quote
Take a first step towards your dream home
Free & non binding
No documents required
No impact on credit score
No hidden costs
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