If you’re purchasing a home that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac, you’ll need a jumbo loan. At TLC, we specialize in helping buyers secure financing for NJ’s luxury and high-value homes.
It varies, but most counties cap conforming loans around $766,550 for 2025. Anything above requires a jumbo.
Many jumbo lenders prefer 20%, but there are options with 10–15% down.