Prime Jumbo Loans
When your dream home exceeds conventional loan limits but you still maintain excellent credit and financial strength, a Prime Jumbo Loan may be the perfect solution. At Capital City Home Loans, we offer Prime Jumbo mortgage options that combine high loan amounts with premium terms, designed specifically for well-qualified borrowers purchasing or refinancing high-value properties.
Our Prime Jumbo loans are ideal for clients who demand more — more flexibility, more personalized lending, and more financial power.
What Is a Prime Jumbo Loan?
A Prime Jumbo Loan is a type of non-conforming mortgage that exceeds the loan limits set by Fannie Mae and Freddie Mac, while being tailored to borrowers with strong credit profiles and solid financial standing. These loans offer many of the same advantages as conventional loans but are designed for homes that require financing above the conforming loan limit — currently $806,501 for most areas as of 2025.
Unlike standard jumbo loans, Prime Jumbo Loans are reserved for borrowers with “prime” financial credentials — such as high credit scores, low debt-to-income ratios, and strong asset reserves.
Who Should Consider a Prime Jumbo Loan?
This type of mortgage is best suited for financially secure homebuyers or investors who are:
- Purchasing a luxury primary residence
- Buying a second home or vacation property
- Refinancing an existing high-balance mortgage
- Investing in high-value real estate
If you have a strong financial profile and need a loan that exceeds traditional limits, a Prime Jumbo loan can offer the premium financing you need without the restrictions of conventional mortgages.
Key Features of Prime Jumbo Loans
- Loan amounts above $766,550, with higher limits in high-cost markets
- Highly competitive interest rates for well-qualified borrowers
- Fixed-rate and adjustable-rate options
- Flexible repayment terms, including 15-, 20-, and 30-year options
- No private mortgage insurance (PMI) with certain down payments
- Available for primary homes, second homes, and investment properties
Capital City Home Loans structures each Prime Jumbo loan with your financial goals in mind. Whether you want to minimize your monthly payments, build equity quickly, or maintain cash flow, we’ll tailor a solution that works for you.
