What is a Jumbo Loan? 2025 Jumbo Loans Explained | Redfin

What is a jumbo loan? In episode 18 of Real (Estate) Talk, our experts Joe Rath and Courtney King explain what jumbo loans, also known as non-confirming loans, are and why you may need one. Real (Estate) Talk answers your most-Googled questions about the housing market, including mortgage rates, finances, and more.

This video is not intended as a solicitation if you are represented by an agent. The content is for informational purposes and should not replace professional counsel from a licensed attorney, financial advisor, or tax professional. Please confirm the suitability of referenced services independently.

Here’s what we’ll cover in today’s video:
0:00 - Intro
0:09 - What is a jumbo loan?
0:55 - What are the conforming loan limits for 2025?
1:45 - How do you get approved for a jumbo loan?
2:04 - Increased down payment
2:33 - Lower debt-to-income ratio
3:19 - Second appraisal
3:27 - What are the limits for jumbo loans?
3:51 - What are mortgage rates like for jumbo loans?
4:32 - Who should consider a jumbo loan?
5:11 - When should you avoid a jumbo loan?
6:04 - Outro

Homebuyer Resources:
https://www.redfin.com/blog/what-is-a...
https://www.fhfa.gov/data/dashboard/c...

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