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Our jumbo products cover a range of options for any borrower and situation.

The Jumbo Loan

Most properties that do not meet the conventional or conforming loan limits ($510,400) are considered jumbo loans. The requirements and lending guidelines vary on jumbo products.


High Loan Amount

Unique Properties

No Escrow


Loan Limits

$510,400 – $2,000,000

The limits on jumbo loans differ by county, but the total amount exceeds the limit of a conventional loan.

Loan to Value

Up to 80%

The jumbo loan can be used to finance up to 80% of the home’s appraised value, meaning a minimum down payment of 20% is required.

Credit Score

740 or higher

Credit score requirements are higher for a jumbo loan and will be based on down payment, debt, etc.


Fixed: 15, 30
ARM: 3/1, 5/1, 10/1

The terms of a jumbo loan vary to suit your needs.


3-12 months

Depending on factors such as credit score, down payment, etc. can determine the amount of cash you need in reserves.

Additional Details

Jumbo loans are different from conforming loans, as they do not follow Fannie Mae and Freddie Mac guidelines. They are portfolio products and we have multiple investors that offer jumbo options for any situation.



10151 SE Sunnyside Rd #220
Clackamas, OR 97015

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© Copyright 2021 Root Mortgage is a division of Root Executives, LLC NMLS 1830982 Oregon License # ML-5796 Washington License # CL-1830982. All information contained herein is for informational purposes only and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions apply. Equal Housing Opportunity.

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