Book a call and get personalized information.
Skip the wait and get started on your pre-approval asap.
Mortgage rates for June 13, 2026
Compare today’s jumbo mortgage rates and explore financing options for higher-priced homes that exceed conforming loan limits.
100% secured. No impact to your credit scores.
Loan Amounts Above Conforming Limits
640 minimum credit score
Prime Jumbo and Non-QM Options.
Fixed and ARM Options
Primary, Second and Investment
Rates updated as of June 13 , 2026
| Product | Interest rate | APR |
|---|---|---|
| 30-year fixed-rate | 6.341% | 6.341% |
| 15-year fixed-rate | 6.5% | 6.5% |
| 7-year ARM | 6.083% | 6.267% |
| 5-year ARM | 6.112% | 6.392% |
| Product | Interest rate | APR |
|---|---|---|
| 30-year fixed-rate | 6.349% | 6.35% |
| 15-year fixed-rate | 6.347% | 6.348% |
| 7-year ARM | 6.24% | 6.364% |
| 5-year ARM | 6.009% | 6.377% |
Purchase and refinance jumbo mortgage rates updated as of June 13, 2026. Rates are informational only and subject to change. Personalized rates may vary based on credit score, loan amount, property type, occupancy, discount points, and other loan factors. Not a commitment to lend. Data Source: Zillow Inc. 2006-2026.
740+ borrowers typically get the best pricing.
A higher down payment significantly improves the rate.
15-year loans and ARMs often offer the most competitive jumbo pricing
Second homes and investment properties may have different pricing.
Primary residences have better interest rates than investment homes.
Cash reserves of 3-6 months are required for jumbo loans.
Which one is the better one for you?
|
Requirement
|
Jumbo Loan
|
Conventional Loan
|
|---|---|---|
|
Credit Score
|
Minimum 640 FICO
|
No minimum
|
|
Minimum down payment
|
Often 10-20%+
|
3%
|
|
Debt to income ratio (DTI)
|
Up to 49.9%
|
Up to 49.9%
|
|
Loan Limits
|
||
|
Mortgage Insurance
|
Not Required
|
Not required with 20% down
|
|
Occupancy
|
Primary, vacation, investment
|
You are looking for a larger loan than the conventional loan limit.
You need to finance luxury real estate that requires loans in the millions.
You have significant assets and savings for larger down payments and to meet reserve requirements.
You need flexible financing options. We offer jumbo programs with fixed rates, ARMs, 40-year interest only programs and Non-QM options.
credit score
640 minimum
Maximum Loan Amounts
Up to $10 Million
Debt-to-income ratio
Up to 49.9%
Mortgage insurance
Never Required
Occcupancy
Primary homes, Vacation and Investment
Reserve Requirements
6 months
We compare rates from 40+ lenders to find competitive options that fit your needs. You’ll get expert guidance, personalized solutions, and a partner who works for you.
We compare rates from 40+ lenders to find competitive options that fit your needs. You’ll get expert guidance, personalized solutions, and a partner who works for you.
A jumbo mortgage is a home loan that exceeds the current conforming loan limits established by federal housing agencies. Because these loans cannot be sold to Fannie Mae or Freddie Mac, jumbo lenders often have their own underwriting guidelines, qualification requirements, and pricing structures.
Jumbo mortgage rates change daily based on market conditions, lender pricing, loan amount, down payment, credit profile, and property type. Many jumbo borrowers are surprised to learn that jumbo rates can sometimes be comparable to or even lower than conventional mortgage rates.
Many jumbo lenders prefer borrowers with credit scores of 700 or higher. However, at Andes Mortgage, we have jumbo mortgage options with as low as a 640 credit score.
In November of 2026, Fannie Mae announced that they will no longer have a minimum credit score requirement for conventional loans. However, higher credit scores generally receive better pricing and lower monthly mortgage insurance costs. Many borrowers achieve the most favorable rates with scores above 740.
Unlike many conventional loan programs, jumbo mortgages often do not require private mortgage insurance (PMI), even when financing a large percentage of the home’s value. Program guidelines vary by lender and loan structure.
Absolutely. Many jumbo loan programs are available for primary residences, second homes, and investment properties.
Investment properties require a minimum 20%-25% down payment for a jumbo loan and stronger credit scores.
Jumbo loans require cash reserves after closing. At Andes Mortgage, we require a minimum of 3 to 6 months depending on your financial profile and loan amount.
Non-QM (Non-Qualified Mortgage) jumbo loans are designed for borrowers with strong financial profiles who may have unique income situations, including:
At Andes Mortgage, we offer traditional jumbo mortgage programs and Non-QM jumbo loan options for borrowers who may not fit conventional jumbo lending guidelines.
Get a personal rate in minutes and explore your best loan options – no impact to your credit.
Book a call and get personalized information.
Skip the wait and get started on your pre-approval asap.