Purchase

Jumbo loan

Financing above the conforming loan limit, with the flexibility larger purchases need.

Photo: Adobe Stock (free collection) · Adobe Stock standard license · asset 355855708 · licensed 2026-09-06 under the Chris Does Photos account

Who it's for

Buyers of higher-priced homes, common in Bozeman, Big Sky, Whitefish, and parts of Colorado Springs.

How it works

Jumbo loans are not sold to Fannie Mae or Freddie Mac, so each investor sets its own guidelines.
Expect closer scrutiny of reserves, credit, and appraisal; we may order two appraisals on larger amounts.

What you'll need

Larger cash reserves after closing
Full income documentation
Strong credit

Common questions

What is the conforming limit?

It changes every year and by county. Ask your loan officer for the current limit where you're buying.

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