How do jumbo loans work and what are the qualification requirements in 2025?
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2 Answers
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I got my 2025 jumbo by keeping DTI at 36 percent and showing two years of steady income.
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Jumbo loans cover mortgages over the 2025 conforming limit near 766,550, so lenders want 700 plus credit scores, debt to income under 43 percent, proof of at least 20 percent down, and six to twelve months of reserves, plus tax returns, bank statements, and a solid employment history because the risk is higher than a conforming mortgage.
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