Financing for Idaho homes above the conforming limit.
Idaho Mortgage Broker | FHA, VA and Conventional Home Loan Programs for Purchase and Refinance.
Jesse Stroup, Mortgage Broker
Home Loans of Idaho, LLC
Phone: (208) 907-2846
Email: [email protected]
NMLS# 6229
Company NMLS# 2187314
Licensed in: ID
Equal Housing Opportunity. This is not a commitment to lend, terms and interest rates are subject to change.
Jumbo Loans
Financing for Idaho homes above the conforming limit.
When the home exceeds ordinary loan limits.
Jumbo loan requirements.
Why jumbo financing through a broker.
Common jumbo questions.
Ready to finance your luxury Idaho home?
Jumbo Loans · Purchase
When your purchase price exceeds $806,500, you need a jumbo loan. We shop portfolio lenders for competitive rates on luxury and high-value properties — up to $3 million or more for qualified buyers.
At a glance
Loan amount
Up to $3M+
Down payment
20%
Credit score
700+
Max DTI
43%
2026 conforming limit: $806,500
Overview
Jumbo loans are not sold to Fannie Mae or Freddie Mac, so they follow lender-specific guidelines. That means more flexibility for high-income earners, self-employed professionals with substantial assets, and buyers targeting premium Idaho markets.
Eligibility
Stricter than conforming — but tailored programs exist for primary homes, second homes, and investment properties.
Primary use
Luxury & high-value homes
Also eligible
Second homes & investment
Benefits
FAQ
Competitive jumbo rates, flexible terms, and white-glove service from application to closing.
No obligation · Idaho jumbo expertise · NMLS
Independent mortgage broker in Boise. FHA, VA, Conventional, and Jumbo programs — one person on the phone from hello to funded.
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License
NMLS
Co. NMLS
Idaho Mortgage Broker
Home Loans of Idaho
108 N Washington Ave
Emmett, ID 83617
Equal Housing Opportunity
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