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Property Tax: (Also called "Real Estate Tax.") Property taxes are government assessments on real estate property. With mortgage financing, the local, county or state tax assessment on real estate property is considered part of the monthly housing obligation and typically collected and set aside by the lender ...
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Homeowner Insurance: or also commonly called hazard insurance, is the type of property insurance that covers private homes. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of its use, or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory.lender ...
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Points Fees you are willing to pay in order to get a lower interest rate. The number of points refers to the percentage of the loan amount that you would pay. For example, "2 points" means a charge of 2% of the loan amount.
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FHA Upfront Premium: A fee paid in cash at the close of escrow or more commonly it is financed into the loan. These premiums are pooled together by the FHA and are used to insure the risk of borrower default on FHA loans. FHA upfront premiums are prorated over a five year period, meaning should the homeowner refinance or sell during the first five years of the loan, they are entitled to a partial refund of the FHA upfront premium paid at loan inception.
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Other fees could be either additional Administrative Fees that a lender charges or it could be a Flat Fee to cover all lender charges such as: (Origination Fees, Points, Underwriting and Processing Fees, Credit Reports and Tax Service Fees)

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Jumbo Mortgage Rates

Current Jumbo Mortgage Rates and Lenders

Review current jumbo mortgage rates for December 11, 2018. Use the table below to compare jumbo mortgage rates and closing costs for lenders near you. A jumbo mortgage has a loan amount that is greater than the conforming loan limit in your county. Jumbo mortgage rates depend on a number of factors including the loan amount, mortgage program, property type, loan-to-value ratio, borrower credit score and perhaps most important, the lender.
Many lenders apply different borrower qualification guidelines and mortgage rate pricing for jumbo loans than they do for conventional loans. There also tends to be a wider range in interest rates across jumbo lenders so borrowers can benefit more by shopping multiple lenders. Input your specific criteria, including property value and loan amount, to compare interest rates, fees, APRs and monthly payments for multiple jumbo mortgage lenders. As shown in the table below, a small difference in interest rate can reduce your monthly payment hundreds of dollars so it is important to contact at least five lenders to find the the best jumbo mortgage terms.

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Data provided by Informa Research Services. Payments do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater if taxes and insurance are included. Click here for more information on rates and product details.

What You Should Know About Jumbo Mortgages


The Interest Rate May Be Higher.

Although not always the case, jumbo mortgage rates can be .125% to .500% higher than the interest rate for a conforming loan. This is because in the past lenders have assigned a higher risk to jumbo loans.  Currently, jumbo mortgage rates tend to be the same as conforming loan rates but market fluctuations may cause differences.  Interest rates for jumbo mortgages vary based on loan amount, loan-to-value (LTV) ratio, credit score and other factors.


Shop Around.

Lenders have more discretion in determining jumbo mortgage rates and closing costs so borrowers see more variation in pricing for jumbo loans. Because interest rates and fees for jumbo mortgages can vary significantly, borrowers should shop lenders to find the mortgage with the most attractive terms. Additionally, because jumbo mortgages have larger loan amounts, even a small difference in interest rate can save you thousands of dollars in interest expense. FREEandCLEAR recommends that you always compare four-to-five mortgage quotes before selecting a lender, regardless of loan size, but shopping your mortgage business is especially important for jumbo mortgages.


Borrower Qualification Guidelines Can Vary.

Lenders also have more flexibility in setting borrower qualification guidelines for jumbo mortgages. For example, different lenders may have different credit score, debt-to-income ratio and down payment requirements. In addition to shopping for the jumbo mortgage with the lowest rates and fees be sure to understand the lender’s borrower qualification guidelines and underwriting policies.


There are Different Types of Jumbo Loans.

Technically, any mortgage amount above the conforming loan limit set by the government ($453,100 for a single unit residence in the contiguous U.S. or $679,650 for a single unit residence in Alaska or Hawaii) is considered a jumbo mortgage but the government sets higher loan limits in higher cost areas. For example, the loan limit for a single unit residence in a high cost area in the contiguous U.S. can be up to $679,650 and up to $1,019,475 in Alaska or Hawaii. Loan amounts that fall in between $453,100 (or $679,650 in Alaska or Hawaii) and the conforming loan limits for higher cost areas are called conforming jumbo, super conforming or agency jumbo mortgages and may have slightly higher interest rates than conforming loans. Loan amounts above the conforming loan limit for a county are called non-conforming jumbo mortgages or jumbo mortgages for short.  The important point to note is the the interest rate and borrower qualification guidelines are typically different for jumbo mortgages.


Not All Lenders Offer Jumbo Mortgages (But Many Do).

Because of the unique eligibility requirements and higher loan amounts associated with jumbo loans, not all lenders offer them. Larger national and regional lenders as well as mortgage brokers are good options for jumbo loans while some local banks and credit unions may not offer them. Although reaching out to different types of lenders takes extra time, shopping for a jumbo mortgage and finding the most attractive loan terms can save you a significant amount of money in the long term.


Check for Jumbo Loan Program Eligibility.

Many mortgage programs, including most no or low down payment programs including the FHA, VA and HomeReady programs, apply loan limits that cap your mortgage amount. To be eligible for these programs your loan amount usually cannot exceed the conforming, FHA, VA or other loan limit for your county. The loan limits apply to all applicants even if you can qualify for a higher mortgage amount based on your monthly income. This means that most of these programs do not allow jumbo mortgages which limits how much home you can purchase. This can create a significant challenge if you live in a more expensive area and need a jumbo loan to afford to buy a home. Prospective borrowers should always check with their lenders to understand if the loan program they are interested in applies limits and if the program permits jumbo loans.

Why Borrowers Compare Jumbo Mortgage Rates on FREEandCLEAR

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More FREEandCLEAR Mortgage Resources


Jumbo Mortgage Overview

We provide a comprehensive overview of jumbo mortgages including borrower eligibility and loan-to-value (LTV) ratio requirement

Mortgage Calculators

Conforming Mortgage Limit Calculator

Use our Conforming Mortgage Limit Calculator to determine the jumbo loan limit for your county. Mortgage amounts above the conforming loan limit are non-conforming jumbo loans

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Jumbo mortgages can be more complicated than other mortgages so the FREEandCLEAR Mortgage Expert is standing by to answer your questions. So fire away and receive a helpful response within 24 hours

Mortgage Calculators

Mortgage Selector

Use our Mortgage Selector to determine the type of mortgage that is right for you as well as how much mortgage and home you can afford


Conforming Mortgage Limits: https://www.fanniemae.com/singlefamily/loan-limits


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