An ordinary house here needs a jumbo loan.
You are not buying a mansion. You are buying four bedrooms, a garage and a decent school.In McLean or Bethesda that house clears seven figures.
Takes about 2 minutes. No credit check to start.
- Your loan sits above the county limit
- Most of your pay is bonus or stock
- You work for yourself
- Your money is invested, not paid to you
- You do not want to put 20% down
A jumbo loan is judged by rules no government agency wrote. Every lender writes its own.
Licensed mortgage broker · NMLS 179997
Office in Vienna, Virginia
We speak 8 languages
Nobody backs this loan. So the lender is careful.
- A jumbo loan is a mortgage above your county’s conforming loan limit.
- It falls outside what Fannie Mae and Freddie Mac will buy, so lenders set their own rules.
- Credit score, down payment, reserves, assets, and debt-to-income ratio are reviewed more strictly.
- Jumbo rules can vary significantly from one lender to another.
- The 2026 baseline conforming loan limit is $832,750.
- In Northern Virginia, DC, and Maryland suburbs, the limit rises to $1,249,125.
- Loans between these limits may qualify as high balance loans and can still receive agency-backed pricing.
- Above the high-cost conforming loan limit, you move into a true jumbo loan.
Which one of these is you?
Almost every jumbo loan buyer who calls is in one of these six spots.
You are barely over the line
Your loan sits just over the conforming loan limit. Nobody told you a high balance loan sits in between. A slightly bigger down payment can move you into the cheaper band.
Most of your pay is bonus or stock
Base salary alone will not carry the purchase. Some lenders average two years of bonus. Some cut stock hard. A strong credit score helps either way.
You work for yourself
Two years of strong returns is the easy path. Where write offs hide your income, a bank statement program still carries a jumbo loan. Expect a larger down payment.
Your money is invested, not paid out
You hold real wealth and modest documented income. Asset depletion turns a portfolio into qualifying income, and asset depletion formulas differ sharply between lenders.
You are moving for a job that has not started
A signed offer and a start date works at some lenders and not others. Bring the contract early, because these files fail on timing far more than on income.
You do not want to put twenty percent down
Ten percent works at a 760 credit score. A second loan behind a high balance first sometimes beats one large jumbo loan. A bigger down payment still prices best.
Ten percent down is possible. Twenty opens more doors.
Here is what a jumbo loan lender wants to see before it will commit.
The down payment
From 10% to 20%. A bigger down payment widens the list of lenders and improves the rate at the same time.
The credit score
From 700. Pricing steps up at 740 and again at 780. A small credit score repair first can pay for itself many times over.
Money left over
Six to twelve months of full payments in reserves after closing. Retirement accounts usually count at a discount.
Your ratio
A debt to income ratio under 43% in most cases. A higher debt to income ratio works at a few lenders where reserves are strong.
Fixed or adjustable
Jumbo loans often offer better pricing with a 5- or 7-year adjustable-rate mortgage if you plan to move within that period.
Reserves catch people out. The lender wants your full monthly payment sitting in the bank several times over. That is after you pay the deposit and every closing cost.
A bank has one answer. We have several.
There is no agency rulebook here, so every lender writes its own. Shopping a jumbo loan is worth more than shopping any other product we handle.
We check the cheaper band first
Structuring the purchase to sit inside the high balance loan ceiling instead of above it can save a quarter point for the life of the loan.
We find who reads your income right
Bonus, commission, stock and self employment are treated differently everywhere. One lender approving what another declined is routine.
We tell you the reserves up front
Before you are under contract, while you can still change the structure.
We price fixed against adjustable
On a large balance the five year difference is not a rounding error.
SAI Mortgage, Inc.
Is committed to helping you find the right mortgage product for your needs, whether you’re exploring a home mortgage loan, considering a home mortgage loan in Virginia, or comparing other financing options. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements, ensuring you receive guidance that fits your unique financial goals.
Three steps. That is it.
Most people are pre-approved within two days.
Tell us how you get paid
A short call, in your language if you like. No credit check yet.
We shop it for you
We check many lenders and send you what you qualify for, in writing.
You get the keys
We handle the rest and close on the date you need.
Licensed in Virginia, DC and Maryland.
From our office in Vienna, we serve buyers across the Commonwealth — and your file follows you if you move across state lines.
Northern Virginia
I-95 Corridor
Hampton Roads
Central & Western Virginia
What people ask us first.
The questions that come up on almost every call.
What is a high balance loan?
A high balance loan sits between the baseline conforming loan limit and the high cost ceiling in an expensive county. It is still agency backed, so it usually prices better than a jumbo loan.
Do I need twenty percent down?
Not always. Ten percent works with strong credit, and 15% is common. Twenty percent opens the widest set of lenders and the best pricing.
How much do I need left in the bank?
Six to twelve months of payments in reserves after closing, and more on larger balances. Retirement money usually counts at a discount.
Is a jumbo rate always higher?
No. A jumbo loan has at times priced below conforming, and it moves on its own. This is one of the few products where shopping really changes the rate.
Can I get one if I am self employed?
Yes. Two years of returns is simplest, and bank statement or profit and loss programs exist where returns understate what you earn.
Get the structure right before you offer.
On a large purchase the structure matters more than the rate, and it has to be settled before you are under contract.
Most of our jumbo loan files run through McLean, Vienna, Great Falls, Arlington, Bethesda and Potomac.
If you searched for a jumbo loan near me and got one quote with no explanation, that is the difference a broker makes.