A High-Balance Home Loan Built Around Your Higher Balance.
Qualify with a range of flexible documentation options, for purchase, refinance, or cash-out up to $3 million.*
Just over conforming, fully covered.
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 and second homes*
- 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 or second home
Qualify with a range of flexible documentation options
Down payment requirements vary by loan size*
Fixed rate financing
What is the Saxton High-Balance Home Loan?
Financing for loan amounts above standard conventional limits
The Saxton High-Balance Home 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 High-Balance Home Loan?
Built for buyers in the highest-cost markets.
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.*
Fixed Rate Financing
This program is fixed rate, so the payment does not move.
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 High-Balance Home Loan.
A loan above the standard conforming limit but still within the higher ceiling set for a high-cost county. It follows agency rules rather than jumbo rules.
$832,750 on a one-unit home in most counties, rising to $1,249,125 in high-cost counties. The county the property sits in decides which applies.
A jumbo loan sits above the county ceiling entirely. A high-balance loan stays inside it, which is why the terms and the paperwork look closer to a conforming loan.
One-unit homes, two-unit attached properties, warrantable condominiums and PUDs. Co-ops, condotels, non-warrantable condominiums and manufactured homes are not eligible.
Six months at the entry tier. Reserves rise as the loan amount and the financing move up.
680 at the entry tier, with higher scores opening the larger balances and the stronger financing tiers.
Yes, on the programs available to us, though each occupancy carries its own tiers and a second home is limited to one unit.
Find out what you qualify for
Whether you’re buying, refinancing, or pulling cash out, there’s likely a Saxton High-Balance Home Loan program that fits. Get a fast, no-obligation pre-qualification today.
Get Pre-Qualified- Consumer Financial Protection Bureau, buying a house: tools and resources for homebuyers
- Consumer Financial Protection Bureau, mortgages
*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.