Frequently Asked Questions
Jumbo loan questions,
answered.
Answers to the most common questions about jumbo mortgages — limits, qualification, DSCR investment programs, foreign national financing, and more.
Answers to the most common questions about jumbo mortgages — limits, qualification, DSCR investment programs, foreign national financing, and more.
The 2026 baseline conforming limit is $832,750. High-cost area ceiling: $1,249,125. Any loan above the county-specific limit is jumbo. Verify at fhfa.gov.
Requirements vary by lender and program. Traditional and non-QM programs available. DSCR requires no personal income verification. A licensed MLO evaluates your specific scenario.
DSCR loans qualify on investment property rental income — no personal income docs required. Available for 1-4 unit residential and short-term rentals. Requirements vary by lender.
Foreign nationals can finance U.S. real estate through specialty programs. No U.S. credit history required. Available for residential jumbo, DSCR, and aviation financing.
A licensed MLO will review your situation and identify the right programs. NMLS# 1967971 · FL, TN, SC, CO, TX.
All content on this page is for informational and educational purposes only and does not constitute financial, legal, or mortgage advice. Loan programs, qualification requirements, and availability are subject to change without notice and vary by lender, borrower profile, property type, and market conditions. All loans are subject to credit approval. Not a commitment to lend. Speak with a licensed Mortgage Loan Originator for guidance specific to your situation. New Century Mortgage LLC · NMLS# 1967971 · Equal Housing Lender · NMLSConsumerAccess.org