Jumbo Loans
Big Financing for High-Value Homes
Jumbo loans are designed for buyers who need to borrow more than the conforming loan limits set by Fannie Mae and Freddie Mac. If you're purchasing or refinancing a luxury or high-value home, a Jumbo loan can provide the financing flexibility and power you need. At Philip Zajicek, we offer expert jumbo loan solutions for clients across Colorado and Arizona. These loans are ideal for buyers looking to invest in upscale homes, properties in competitive markets, or large residences that exceed standard borrowing limits. Jumbo loans are not one-size-fits-all—we tailor each one to your financial profile and property goals.
To qualify for a jumbo loan, borrowers typically need strong credit scores, lower debt-to-income ratios, and larger down payments. While requirements are more stringent, the reward is access to significant borrowing power with competitive terms.
Interest rates on jumbo loans are often in line with or even better than conventional rates for well-qualified borrowers. With the right financial profile, you can secure excellent terms and significant financing under one structured loan.
Whether you’re buying a vacation home in Arizona or upgrading to a spacious family residence in Colorado, our team ensures your jumbo loan process is seamless and efficient.
We also offer jumbo refinancing for current homeowners looking to reduce rates, change terms, or access cash from their property’s equity—making it easier to reinvest in your lifestyle or portfolio.
Jumbo lending can be complex, but we bring years of experience, lending relationships, and market knowledge to ensure your transaction moves quickly and with confidence.
✔️ Key Benefits of Jumbo Loans:
Finance homes above conforming loan limits
Customized loan structures for high-income borrowers
Competitive interest rates for qualified clients
Flexible terms for purchase or refinance
Ideal for luxury, second, or investment properties
