Jumbo loans (often referred to as non-conforming loans) are used when you want to buy a home that exceeds conforming loan limits. A conforming loan limit is the mortgage amount that could be backed by Fannie Mae and Freddie Mac.
For many counties, a jumbo loan is when you're applying for a loan more than:
for a single-family home or residence
for a 2-unit home (duplex)
for a 3-unit home (triplex)
for a 4-unit home (fourplex)
For higher-cost real estate markets, like San Francisco and New York City, a jumbo loan is when you're applying for a loan more than:
Mon-Fri:Monday to Friday 8:00 AM to 8:00 PM ET
Sat:Saturday 9:00 AM to 3:00 PM ET
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