A Jumbo Purchase Loan Built Around Your Dream Home.
Qualify with a range of flexible documentation options, for purchase, refinance, or cash-out up to $3 million.*
Buy the home you really want.
A bigger purchase does not have to mean a harder process.
- Qualify with a range of documentation options
- Purchase, rate-and-term refinance, or cash-out on eligible properties*
- Primary residences, second homes, and investment properties*
- Down payment requirements vary by loan size* on eligible jumbo programs*
- Purchase & refinance with low-down-payment options, and cash-out is also available*
- Full-doc and flexible documentation paths for qualified borrowers
Loan amounts starting just above the conforming limit, up to $3 Million*
Buy, refinance, or take cash out
Primary, second home, or investment
Qualify with a range of flexible documentation options
Down payment requirements vary by loan size*
Fixed rate financing
What is the Saxton Jumbo Purchase Loan?
Financing for loan amounts above standard conventional limits
The Saxton Jumbo Purchase Loan is a full-featured mortgage for financing homes priced above the conforming loan limit.
Qualify with standard documentation: income, assets, and credit reviewed the usual way.
Use it to purchase a home, refinance your current mortgage, or take cash out of your equity, on a primary residence, second home, with loan amounts up to $3 million.*
Why choose the Saxton Jumbo Purchase Loan?
Built for the purchase that runs past conforming limits.
Move-Up & Luxury Buyers
Finance higher-priced and luxury homes with loan amounts up to $3 million.*
Higher-Priced Purchases
Finance eligible homes, including 2–4 units, warrantable and non-warrantable condos.
Second & Vacation Homes
Purchase or refinance a second home in the market you love.*
Cash-Out Refinance
Tap your equity to reinvest, consolidate, or fund your next move on eligible properties.*
Above Conforming Limits
Financing built for purchase prices past the conforming ceiling.
Higher Balances
Go above the conforming limit without splitting into multiple loans.
Hear From Homeowners Like You
Frequently Asked Questions
The questions we get asked most about the Jumbo Purchase Loan.
Loan amounts run up to $3 million. The tier you land in depends on your credit, your reserves, the property type and how you will occupy it.
When the loan amount passes the conforming limit for the county. For 2026 that is $832,750 on a one-unit home, rising to $1,249,125 in high-cost counties.
Single-family homes, PUDs, warrantable condominiums and two-unit attached properties. Co-ops, condotels, non-warrantable condominiums and manufactured homes are not eligible.
Six months of reserves at the entry tier, and twelve months or more as the loan amount rises. Reserves are money left after closing, not money you bring to it.
The entry tier starts at 680. Larger balances move to 720 and then 740, so credit and loan size are linked.
Above $2 million, at least one program requires two full appraisals. Build the extra time into your contract.
Yes. At least one program caps a first-time buyer at $1.5 million, which is worth knowing before you write the offer.
Find out what you qualify for
Whether you’re buying, refinancing, or pulling cash out, there’s likely a Saxton Jumbo Purchase Loan program that fits. Get a fast, no-obligation pre-qualification today.
Get Pre-Qualified*Loan amounts, rates, terms, and down payment requirements are subject to credit approval, income and asset verification, and program eligibility. Maximum loan amount $3,000,000. Down payment and cash-out limits vary by occupancy, credit score, and documentation type. Not all applicants will qualify. Saxton Mortgage, LLC is an Equal Housing Lender.