Available for Virginia properties.
Jumbo home loans
For Virginia buyers and homeowners whose loan size is above the conforming limit for the property location.
Jumbo loans finance amounts above the conforming limit. Pricing, reserves, and documentation can differ from a standard conventional loan.
How it works
A jumbo loan is used when the first-mortgage amount is larger than the conforming limit for that county and year. The home can still be a primary residence; the difference is loan size and often the reserve and documentation overlay.
Rockhouse Mortgage compares jumbo programs across wholesale lenders. We do not quote a loan-limit dollar amount here because limits change by location and year.
What lenders look at
- Credit profile
- Income documentation
- Reserves after closing
- Property type and appraisal
- The rest of the file, including existing housing payment
Eligible properties
- Virginia primary residences, and some second-home scenarios depending on the program
- Property types permitted by the jumbo program
Want help comparing programs?
Rockhouse Mortgage compares wholesale lender programs for the scenario in front of us. Start with a call or an online application.
Frequently asked questions
How do I know if I need a jumbo loan?
If the first-mortgage amount you need is above the conforming limit for that property’s location, you are in jumbo territory. We can confirm the current limit for a specific address.
Are jumbo guidelines the same as conventional?
They are related but not identical. Reserves, credit, and property overlays are often tighter. That is why we compare more than one jumbo program.
Can I use a piggyback second instead of jumbo?
Sometimes a first-and-second structure keeps the first mortgage at a conforming amount. Whether that is better depends on the property, credit, and the two payments combined. See our home equity page for second-lien options.
Is jumbo available outside Virginia?
Consumer jumbo mortgages are available in Virginia only through Rockhouse Mortgage.
Compare jumbo structures for a Virginia property
Share the purchase price or refinance amount and the property location. We will check conforming versus jumbo before you shop one product.
703-999-0903Loan programs, rates, fees, terms, and eligibility requirements are subject to change without notice. All loans are subject to credit, income, asset, property, and underwriting approval. This information is for educational purposes only and is not a commitment to lend.
Rockhouse Mortgage, LLC · NMLS #2469785 · Harry Hager, NMLS #647108 · Licensed by the Virginia Bureau of Financial Institutions · Outside Virginia, business-purpose investment property loans only · Equal Housing Opportunity