Why Jumbo Loan Rates Are Higher

Why Jumbo Loan Rates Are Higher

Not all jumbo loans are created equal—and here's why that matters.
Banks don’t follow one universal guideline when it comes to jumbo loans. They set their own rules based on risk tolerance—and that can mean: 🚫 Higher credit score requirements💰 Larger down payments📈 Higher interest rates (often 0.5–1% above conventional)

Why? Because jumbo loans are not backed by Fannie Mae or Freddie Mac, so lenders take on more risk.

Here’s what you’ll learn in this video:
✅ What impacts jumbo loan interest rates
✅ Why some lenders offer more flexible tiers (like pink/green/blue product levels)
✅ When jumbo rates can compete with conventional loans
✅ Why the “riskier” the profile, the higher the rate

If you're considering a jumbo loan—or you're an agent working with high-price-point buyers—this info can save you thousands.

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