| Jumbo Mortgage Loans in Arizona
Think BIG with a Jumbo Mortgage from Team CD at Fairway Home Mortgage
Arizona is home to luxury communities, custom homes, and high-value real estate—especially in areas like Scottsdale, Paradise Valley, Phoenix, Sedona, and Flagstaff. If you’re purchasing or refinancing a higher-priced property, a Jumbo Mortgage Loan may be the right solution.
Jumbo mortgage loans allow you to finance homes above the standard conforming loan limits set annually by the Federal Housing Finance Agency (FHFA). Team CD at Fairway Home Mortgage specializes in helping Arizona buyers and homeowners navigate jumbo financing with confidence, clarity, and personalized guidance.
What Is a JUMBO MORTGAGE Loan?
A jumbo mortgage is a home loan that exceeds the FHFA’s conforming loan limits. In many Arizona markets, home prices often surpass these limits—especially for luxury homes priced at $800,000, $900,000, or well over $1 million.
Because jumbo loans exceed government-backed limits, they are considered non-conforming loans and typically come with:
Higher credit score requirements
Larger down payment expectations
More detailed income and asset documentation
That said, jumbo loans also offer flexibility and powerful buying potential when structured correctly.
Conforming vs. Non-Conforming Loans Explained
Conforming loans meet the guidelines established by Fannie Mae and Freddie Mac, the government-sponsored entities (GSEs) that purchase mortgages from lenders and package them into mortgage-backed securities (MBS).
When a loan amount exceeds FHFA limits:
It becomes non-conforming
It is not bundled into MBS
It requires alternative underwriting standards
At Fairway Home Mortgage, Team CD works with a wide range of jumbo loan programs, ensuring Arizona buyers aren’t limited just because they’re buying a higher-value home.
Jumbo Loan Highlights
A jumbo mortgage may be ideal if you have strong financial qualifications but need a larger loan amount.
Key benefits include:
Higher purchase limits to buy more home in Arizona’s competitive markets
One convenient loan instead of multiple mortgages
Available for primary residences, second homes, and investment properties
Fixed-rate and adjustable-rate mortgage (ARM) options
Jumbo options available across Conventional, VA, and renovation loans
Things to keep in mind:
Jumbo mortgage rates are typically higher than conforming conventional loans
Larger down payments are often required, especially for second homes and rentals
Jumbo Mortgage Loan Options in Arizona
Team CD at Fairway Home Mortgage offers a variety of jumbo solutions, including:
Jumbo Fixed-Rate Mortgages
Jumbo Adjustable-Rate Mortgages (ARM)
Jumbo VA Loans (for eligible veterans)
Jumbo Renovation Loans
Jumbo Loans for Vacation & Investment Properties
JUMBO MORTGAGE FAQs
How much is the down payment on a jumbo loan?
Down payment requirements vary based on loan program, property type, and market conditions. At Fairway, some jumbo programs allow down payments as low as 10% for primary residences, compared to 3% on many conforming loans.
Guidelines can change, and Team CD may have access to multiple jumbo options—so it’s always best to review your specific scenario.
What is a super-jumbo mortgage?
A super-jumbo loan exceeds both the conforming and standard jumbo limits set by the FHFA. These loans are typically used for properties over $1,000,000, which are common in luxury Arizona markets.
Super-jumbo loans often require stronger financial profiles but provide unmatched buying power.
What is a jumbo reverse mortgage?
A jumbo reverse mortgage is designed for homeowners age 62 or older who own higher-value homes and want to convert equity into cash for retirement expenses. It works like a traditional reverse mortgage but applies to properties above conforming limits.
For current rates, and a side-by-side scenario, contact us at (602) 858-6293
Why Choose Team CD at Fairway Home Mortgage?
Deep experience with Arizona jumbo loan markets
Personalized loan strategies for high-net-worth borrowers
Access to multiple jumbo and super-jumbo programs
Trusted guidance from application to closing
Whether you’re buying a luxury home, second residence, or refinancing an existing jumbo loan, Team CD is here to help you think bigger—with confidence.
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WHAT OUR CLIENTS SAY
Our clients are at the center of everything we do. Their experiences reflect our dedication to clear guidance, trusted mortgage expertise, and a home-financing experience built around care and understanding.
Contact Info
Location
11811 N Tatum Blvd Suite 2700
Phoenix, Arizona 85028
We’re here to help you with all your healthcare needs.
Reach out to us anytime—our friendly team is ready to assist you with appointments, inquiries, and guidance.
Phone
Loan Officers
Craig Gallegos NMLS# 447602
Dawn Buxton NMLS# 308905
Corporate Address:
11811 N Tatum Blvd, Suite 2700
Phoenix, Arizona 85028
Copyright © 2026 Fairway Independent Mortgage Corporation doing business as Fairway Home Mortgage. NMLS#2289. 4750 S. Biltmore Lane, Madison, WI 53718, 1-866-912-4800. All rights reserved. Fairway is not affiliated with any government agencies. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply. Equal Housing Opportunity. Arizona Mortgage Banker License No. 0904162. Dawn Buxton NMLS 308905 | Craig Gallegos NMLS 447602 Complaints may be directed to: (877) 699-0353 or Email us: [email protected]. Licensed by the Department of Business Oversight under the California Finance Lenders Law. Loans made or arranged pursuant to a California Finance Lenders Law License. Licensed Nevada Mortgage Lender NMLS #2289 Craig Steven Gallegos MLO# 447602 Dawn Marie Buxton MLO#308905. Office Phone 480-626-2202