Missouri – STL: 314.839.9999 | Osage Beach: 573.441.9999 | Illinois: 618.416.9999 | Kansas: 913.344.9999 | California – San Diego: 619.363.0036 | Orange County: 949.482.0999 | Colorado: 303.740.9999

Jumbo Loans

A Jumbo loan exceeds the conforming loan limits of a conventional loan and allows for a higher-priced purchase or refinance. If you have a higher credit score, lower debt-to-income ratio, and a larger down payment, a jumbo loan may be right for you.

What are the benefits of a Jumbo Loan?

With a Jumbo loan you can:
• Purchase a home over the conventional loan limit of $424,100
• Choose between fixed or adjustable rate
• Borrow full amount from one home loan instead of two
• Prepay your mortgage without penalty

Why Choose a Jumbo Loan?

Jumbo loans have these advantages:
• Most do not require Private Mortgage Insurance (PMI)
• Competitive rates
• More flexible than conventional loans
• Possible tax benefits gained by lower interest payments

Is a Jumbo Loan right for you?

A few things to consider:
• Jumbo loan amounts vary by county
• Higher credit scores are required
• Lower debt-to-income ratio is required
• Required down payment is typically larger
• Reserve requirements vary depending on the loan amount

Learn More about Jumbo Loans:
For more information about Jumbo loans or to see if you qualify, contact one of our mortgage experts today.

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The Vinson family has been serving clients in the mortgage industry for over 25 years, and with that experience comes many advantages for our clients....
  • Speed Of In-House Processing

    Speed Of In-House Processing

    • Banker not broker
    • Faster clear to close
    • Loan officers communicate with processors throughout the lending process
  • Refinance & Purchase History

    Refinance & Purchase History

    • Been in business for over 25 years
    • Dedicated and experienced Loan Officers, Processors and Underwriters
    • Portfolio of products
    • Long-term approach to best suit your needs
  • Fight The Good Fight

    Fight The Good Fight

    • Credit repair
    • Structuring unique loan situations
    • Breaking through the credit bureau red tape
    • Help approve credit scores that others ignore
  • Straightforward Approach

    Straightforward Approach

    • No pricing gimmicks or rate schemes
    • Establish lasting relationships
    • Provide updates & progress reports
    • Responsive to questions & concerns
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Corporate Headquarters  |  12801 Flushing Meadows Drive  |  St. Louis, MO 63131  |  314.839.9999

NMLS# 225095  | 
California License:  41DBO-46184  | 
Illinois License:  MB6760233  | 
Kansas License:  MC.0001599  | 
Missouri License:  MO.17-1848  | 
Illinois Department of Financial & Professional Regulation – Division of Banking  | 
100 West Randolph, 9th Floor  | 
Chicago, IL 60601  | 
312-793-3000  | 
Vinson Mortgage is a Kansas licensed Mortgage Company.