Opulence – Mortgage solutions with integrity Your home’s equity working for you

Call us: 800-610-0293
Send mail: info@ophomeequity.com
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Jumbo Loans

Financing for homes above the conforming loan limit, with competitive rates and flexible qualification for high-value properties.

A jumbo loan finances a home priced above the conforming limit set by the Federal Housing Finance Agency, which is $832,750 in most areas for 2026. Because jumbo loans are not purchased by Fannie Mae or Freddie Mac, guidelines vary by investor, and shopping matters. Opulence compares jumbo programs across multiple investors in minutes to find the strongest rate and structure for your purchase.

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Everything You Need to Buy

Compare loan programs, run your numbers, and reach our team, all from one place.

Who It Fits

Is a Jumbo Loan Right for You?

Jumbo financing is built for buyers purchasing higher-value homes who have strong credit, income, and reserves.

Buyers above the $832,750 conforming limit
Buyers in high-cost housing markets
Buyers with strong credit and cash reserves
Self-employed buyers with documented income
Second home and luxury property purchases
Buyers who want fixed or adjustable options
1 %
Lower rate in Year 1
Exclusive Program

The Opulence Advantage
2-1 Buydown.

An exclusive program that lowers your interest rate for the first two years of your loan. Your payments start lower, giving you breathing room for moving costs, furnishing, and settling into your new home.

Year 1: your rate is 2% below the note rate, for the lowest payment when moving costs are highest.

Year 2: your rate is 1% below the note rate, giving you a second full year of real savings.

Year 3 onward: your payment settles at the full note rate, which you qualify at from day one, so there are no surprises.

Exclusive to Opulence: your loan officer shows your exact Year 1 and Year 2 savings before you make an offer.

How It Works

Our Loan Process

Four clear steps from your first conversation to closing day, all handled by one in-house team.

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1

Consultation

We start by understanding your goals. Your dedicated loan officer reviews your situation and recommends the right program.
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2

Pre-Approval

Our technology compares your scenario across multiple investors in minutes. You get a clear picture of your rates, costs, and options.
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3

Processing

Your in-house processor collects documents, orders the appraisal, and coordinates with title and closing. No third-party handoffs.
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4

Closing

Final documents are prepared, reviewed, and signed. Funds are disbursed. Your loan officer stays with you through the last signature.

Ready to Get Started?

500 N. Franklin Turnpike, Suite 303
Ramsey, NJ 07446
Call: 800-558-0475
Email: info@ophomeequity.com

    Frequently Asked Questions

    Answers to the questions we hear most about jumbo home loans.

    When do I need a jumbo loan?
    You need a jumbo loan when your loan amount exceeds the conforming limit for your county. For 2026, that limit is $832,750 in most areas and up to $1,249,125 in designated high-cost areas.
    How much do I need for a down payment?
    Requirements vary by investor. Many jumbo programs start at 10% to 20% down, and some allow less for well-qualified buyers. We compare options to find your best fit.
    What credit score do I need?
    Most jumbo programs look for a score of 700 or higher, though requirements vary by investor and loan size. We review your full profile to match you with the right program.
    Do jumbo loans require cash reserves?
    Usually. Many programs require several months of mortgage payments in reserve after closing. The exact amount depends on the loan size and investor.
    Are jumbo rates higher than conventional rates?
    Not always. Jumbo rates can be competitive with, or even lower than, conforming rates depending on the market and your profile. That is why comparing investors matters.
    Does the Opulence Advantage Buydown work with jumbo loans?
    It is available on eligible jumbo programs. Availability depends on the investor, and we tell you up front whether your loan qualifies.
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    2220 Plymouth Rd #302, Hopkins, Minnesota(MN), 55305

    Call us: (234) 109-6666

    Mail: Herringtonconsulting@gmail.com

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