Jumbo Loans · Oregon
Jumbo Loans in Oregon
Financing for higher-priced properties that exceed conventional conforming loan limits — with the expertise to structure it right.
Overview
When a property's purchase price exceeds the conforming loan limits set by Fannie Mae and Freddie Mac, a jumbo loan is required. These loans carry unique underwriting requirements and are not available from every lender — but Stephen Harris has the relationships and expertise to navigate jumbo financing for Oregon buyers. Whether you're purchasing a luxury home in Ashland, a larger property in the Medford area, or a high-value investment, Stephen will work to find a jumbo program that aligns with your financial profile and goals.
Who This Loan Is For
Buyers purchasing homes above the conforming loan limit in Oregon
High-income professionals seeking financing for luxury or larger properties
Buyers with strong credit and substantial assets
Investors purchasing higher-value properties in Southern Oregon
Buyers who prefer to keep more cash invested rather than making a larger down payment
Key Benefits
Finance Higher-Value Homes
Access financing for properties that exceed conventional loan limits in Oregon.
Competitive Rates for Strong Profiles
Well-qualified borrowers can access competitive jumbo rates from multiple lenders.
Flexible Structures
Fixed and adjustable-rate options available depending on your timeline and financial strategy.
Expert Guidance
Stephen's experience structuring complex loans means you get strategic advice, not just processing.
Basic Qualification Guidelines
Credit score: typically 700+ (720+ preferred for best terms)
Down payment: typically 10%–20% or more
Debt-to-income ratio: generally under 43%
Significant cash reserves: often 6–12 months of mortgage payments
Full income documentation required
Property appraisal required; some lenders require two appraisals
Not a commitment to lend. All loans subject to credit approval, property appraisal, and underwriting guidelines. Results may vary.
Get Pre-Approved
Free consultation · No obligation