🏡 Jumbo Home Loans in the Pacific Northwest

Financing high-value homes in Oregon, Washington, and Idaho

If you’re purchasing a home priced above the conforming loan limits in your area, you’ll require a jumbo loan—a mortgage designed for larger loan amounts. Whether you’re shopping in Portland, Bend, Boise, or the Seattle suburbs, I can help you structure a jumbo loan that aligns with your financial goals.

💰 What Is a Jumbo Loan?

A jumbo loan is any mortgage that exceeds the conforming loan limits set by the Federal Housing Finance Agency (FHFA). For 2025, the limits are:

$806,500 for most counties across Oregon, Washington, and Idaho.
$1,037,300 in high-cost areas such as King, Pierce, and Snohomish counties in Washington .

In the Portland metro area, jumbo financing typically applies to homes priced over ~$850,000 with less than 10% down.

📈 Jumbo Loan Highlights

Loan amounts above $806,500 (or $1,037,300 in designated high-cost areas).
Applicable for primary residences, second homes, and investment properties.
Down payments typically range from 10% to 20%.
Preferred credit scores of 700+, though some programs may allow lower scores with compensating factors.
Options for fixed-rate or adjustable-rate mortgages (ARMs).
May require reserves and additional documentation, especially for self-employed borrowers or complex income scenarios.

🧠 How I Assist with Jumbo Financing

Jumbo loans aren’t standardized; they vary across lenders. I collaborate with multiple jumbo and portfolio lenders to find the best fit for your unique situation. Whether you’re:

Utilizing bonus, RSU, or self-employed income.
Looking to purchase before selling your current home.
Aiming for a 10% down payment without PMI.
Exploring interest-only or custom ARM options.

…I’ll guide you through the process to ensure everything is handled correctly from the start.

📍 Areas I Serve for Jumbo Loans

Licensed in Oregon, Washington, and Idaho, I regularly assist clients in:

Portland Metro: Lake Oswego, West Linn, Happy Valley, Forest Heights.
Southwest Washington: Camas, Ridgefield, Felida, East Vancouver.
Central Oregon: Bend, Redmond.
Puget Sound: Seattle suburbs like Kirkland, Bellevue, Issaquah.
Idaho: Boise, Meridian, Eagle.

💼 Why Choose Me?

As an independent mortgage broker, I’m not tied to any single bank.
Over 25 years of experience, including handling complex financial scenarios.
Expertise in working with business owners, high earners, and equity-rich clients.
Commitment to prompt communication, strategic planning, and transparent processes.

❓ Common Questions I Address

Can I put 10% down without PMI?
Will RSU or bonus income count toward my approval?
Is it smarter to choose a fixed rate or an ARM in today’s market?
Can I buy before selling my current home?
What are the reserve requirements for a jumbo loan?

🗓️ Let’s Discuss Your Options

If you’re considering purchasing a higher-priced home in Portland, Bend, Boise, or anywhere in Oregon, Washington, or Idaho, I can help you compare options and get preapproved for a jumbo loan that suits your needs.

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Associated Mortgage Brokers is not affiliated with or acting on behalf of any government agency.