A jumbo home mortgage is a mortgage that exceeds the prevailing loan limits placed by Fannie Mae and Freddie Mac in a specific area. Generally in most areas, the conforming loan limit is $417,000, however in places where the cost of living is substantially higher, such as L . A ., financing turns into a jumbo loan at $625,500. Additionally, there are over a hundred counties whose loan limits are between these numbers, including Denver County, whose loan limit is slightly below $459,000. When Fannie Mae and Freddie Mac's loan limits don't cover the total amount of the mortgage, this loan is termed as the jumbo loan. Even though the interest with a jumbo loan could be higher than that of a conventional loan, these jumbo rates are less in some areas now as opposed to the interest rate of a conventional home loan a few years back.

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To start with, I wish to say congratulations on taking your license.

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