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A department of the United States government that manages various programs related to food, agriculture, natural resources, rural development, and nutrition.
A jumbo loan is one way to buy a high-priced or luxury home. If you have a lower debt-to-income ratio and a higher credit score, a jumbo loan may be right for you.
Common reasons for refinancing a mortgage are to take cash out, get a lower payment or shorten your mortgage term.
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HOME LOAN OPTIONS
Jumbo Loans
Get a Jumbo Loan quote. Talk with a friendly Omega loan expert and we’ll find the right home loan program for you.
- Higher purchase limits
- Possible with as little as 10%, or even 5%, down
- Competitive rates
- Low rates for fixed and adjustable terms
- Quick approval and closing


What is a Jumbo home loan?
Jumbo mortgages are home loans that exceed Conforming1 loan limits. A jumbo loan is one way to buy a high-priced or luxury home. If you have a lower debt-to-income ratio and a higher credit score, a jumbo loan may be right for you.
The limit on conforming loans varies by county and in rare instances even by neighborhood, but jumbo mortgages can exceed these limits.
1The conforming loan limit is the dollar cap on the size of a mortgage Freddie Mac and Fannie Mae are willing to buy or guarantee. Mortgages that meet the support requirements by the two agencies are known as conforming loans. The limit is set by the FHFA every year in November and designated by the county
What you should know about Jumbo Loans:
- Typically the minimum credit score is 700 for a Jumbo Mortgage approval. However, some Jumbo programs allow for a credit score of 680 or lower.
- Some restrictions may include income and loan amount limits.
- Be prepared to pay a higher rate for a Jumbo Loan with a lower credit score.