{"id":21,"date":"2026-09-05T09:00:00","date_gmt":"2026-09-05T09:00:00","guid":{"rendered":"https:\/\/demos.canvaswp.com\/mortgage\/loan-program\/jumbo-loans\/"},"modified":"2026-09-05T09:00:00","modified_gmt":"2026-09-05T09:00:00","slug":"jumbo-loans","status":"publish","type":"canvas_mtg_loan","link":"https:\/\/demos.canvaswp.com\/mortgage\/loan-program\/jumbo-loans\/","title":{"rendered":"Jumbo Loans"},"content":{"rendered":"<h2 style=\"color: var(--cnvs-contrast-900); font-size: 1.4rem\" class=\"fw-bold mb-3 wp-block-canvas-core-heading\">How a Jumbo Loan Works<\/h2>\n<p style=\"color: var(--cnvs-contrast-600); font-size: 1rem; line-height: 1.7\" class=\"mb-4 wp-block-canvas-core-heading\">A jumbo loan finances an amount above the conforming limit, so it is priced and approved by each lender on its own terms. That makes shopping more valuable: the spread between lenders is often wider than on conventional loans.<\/p>\n<p style=\"color: var(--cnvs-contrast-600); font-size: 1rem; line-height: 1.7\" class=\"mb-4 wp-block-canvas-core-heading\">Expect a closer look at income, assets and reserves. We prepare the file so each lender sees the same complete picture and can price it firmly.<\/p>\n<h2 style=\"color: var(--cnvs-contrast-900); font-size: 1.4rem\" class=\"fw-bold mb-3 wp-block-canvas-core-heading\">What Lenders Look For<\/h2>\n<ul class=\"process-step-list mb-0 wp-block-canvas-core-wrapper\">\n<li class=\"wp-block-canvas-core-heading\">Cash reserves of six to twelve months of payments<\/li>\n<li class=\"wp-block-canvas-core-heading\">A debt-to-income ratio of 43% or lower<\/li>\n<li class=\"wp-block-canvas-core-heading\">A full appraisal, sometimes two for larger loans<\/li>\n<li class=\"wp-block-canvas-core-heading\">Documented income for the last two years<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Financing above conforming loan limits with competitive rates for high-value properties.<\/p>\n","protected":false},"menu_order":5,"template":"","meta":{"_canvas_mtg_loan_best":"Homes priced above the conforming loan limit","_canvas_mtg_loan_credit":"700 or higher","_canvas_mtg_loan_down":"Typically 10% to 20% of the purchase price","_canvas_mtg_loan_icon":"bi-gem","_canvas_mtg_loan_terms":"15 or 30 years, fixed or adjustable"},"class_list":["post-21","canvas_mtg_loan","type-canvas_mtg_loan","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/demos.canvaswp.com\/mortgage\/wp-json\/wp\/v2\/canvas_mtg_loan\/21","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/demos.canvaswp.com\/mortgage\/wp-json\/wp\/v2\/canvas_mtg_loan"}],"about":[{"href":"https:\/\/demos.canvaswp.com\/mortgage\/wp-json\/wp\/v2\/types\/canvas_mtg_loan"}],"wp:attachment":[{"href":"https:\/\/demos.canvaswp.com\/mortgage\/wp-json\/wp\/v2\/media?parent=21"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}