Jumbo mortgage financing · Virginia and surrounding markets

Thoughtful financing for higher-value homes.

Jumbo loans finance amounts above applicable conforming limits. Because guidelines vary by investor, the right structure starts with an early review of income, assets, reserves and the property.

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How it works

Start with the features that shape the decision.

Customized qualification

Documentation, debt-to-income limits and credit expectations vary by program and loan size.

Liquidity matters

Many jumbo programs require post-closing reserves in addition to funds needed at settlement.

Structure choices

Fixed-rate and adjustable-rate options may be available depending on the borrower and property.

Plan before you apply

Details to review with Joe.

Document the source and accessibility of funds early.
Compare down-payment choices with reserve requirements.
Review condo, acreage and unique-property guidelines before making assumptions.
Coordinate appraisal and underwriting timelines with the purchase contract.

Common questions

Thoughtful financing for higher-value homes FAQ

What makes a mortgage jumbo?

A loan is generally jumbo when its amount exceeds the conforming limit that applies to the property and location.

Do jumbo loans always require 20% down?

No. Options vary, but loan size, occupancy, credit and reserves affect available structures.

Can bonus or variable income count?

It may, when it meets the program’s history and documentation requirements.

Bank-statement loans Second-home loans Conventional loans

A clear comparison

See how this option fits your goals.

Joe can review your scenario, explain the tradeoffs and compare available alternatives without the jargon.

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Joe Rogers, EVP of Sales – Cornerstone Division and Mortgage Loan Originator, NMLS #188286. For informational purposes only. Loan programs, rates, terms and eligibility are subject to change without notice. All loans are subject to credit approval, property approval and underwriting requirements. Not all applicants will qualify. Equal Housing Opportunity.