Arizona Jumbo Loans | Financing Above $832,750 | ASJ Mortgage Solutions

Arizona Jumbo Loans · ASJ Mortgage Solutions, Peoria AZ

Arizona jumbo loans for homes above $832,750.

Financing above the 2026 conforming limit for high-value homes across Phoenix, Scottsdale, Paradise Valley and the whole state. Local brokering, multiple wholesale jumbo lenders, and straight answers.

NMLS #1909669 AZ Broker #MB-1005394 ★★★★★ Google reviews
Get Pre-Qualified Call or Text (480) 376-7355
“They walked us through a jumbo purchase in Scottsdale and compared several lenders so we didn’t overpay. Clear answers the whole way.” — Representative client experience · see verified reviews on Google

Start your jumbo pre-qualification

A few quick questions — we’ll follow up with your options.

Takes ~2 minutes No obligation Local Arizona team
Licensed AZ brokerDIFI #MB-1005394 · NMLS #1909669
Many wholesale lendersWe shop jumbo programs for you
Based in PeoriaServing all of Arizona
Evenings & weekendsWe work around your schedule

The basics

What counts as a jumbo loan in Arizona?

A jumbo loan is a mortgage that exceeds the conforming loan limits set each year by the Federal Housing Finance Agency (FHFA). Because these loans are too large to be purchased by Fannie Mae or Freddie Mac, they follow their own underwriting standards.

The 2026 line in Arizona

Up to $832,750
Conforming loan — eligible for Fannie Mae & Freddie Mac.
Above $832,750
Jumbo loan — non-conforming, its own guidelines.

For 2026, the baseline conforming loan limit for a one-unit home is $832,750, and it applies to every Arizona county — Maricopa, Pima, Yavapai, Coconino and the rest. Any single-family mortgage above that amount is a jumbo loan statewide. That baseline rose from $806,500 in 2025 as home values climbed. Limits are higher for two- to four-unit properties, and the amount you personally qualify for depends on income, credit and reserves — not just the limit itself.

How it works

Three steps to your jumbo pre-qualification

STEP 01

Tell us about the home

Answer a few quick questions or call. Purchase or refinance, price range, down payment and timing — that’s enough to get started.

STEP 02

We shop the jumbo market

As a broker we compare jumbo programs across multiple wholesale lenders to match your loan amount, credit profile and goals.

STEP 03

Underwrite & close

We guide you through documentation, appraisal and underwriting, then coordinate a clear path to closing on your Arizona home.

Program highlights

Jumbo financing built for high-value Arizona homes

Options vary by lender, loan amount and property — here’s the shape of what may be available to qualified borrowers.

Large loan amounts

Financing well beyond the conforming limit, with select programs reaching into the multi-million-dollar range for eligible Arizona properties.

Flexible down payments

Many jumbo programs look for 10%–20% down, and some offer lower down payments to well-qualified buyers on eligible properties.

Fixed & ARM options

Choose the structure that fits your plans — fixed-rate stability or an adjustable-rate mortgage for a lower initial period.

Purchase & refinance

Buy your next home or refinance a high-value property, including cash-out options for qualified borrowers.

Primary, second & investment

Jumbo financing may be available for primary residences, second homes and, through certain programs, investment properties.

Guidance that speaks plainly

Bigger loan, bigger stakes. We explain rates, reserves and trade-offs in language you can act on — no jargon, no pressure.

Is a jumbo loan right for you?

Who we help with Arizona jumbo loans

  • Move-up & luxury buyersPurchasing above $832,750 in Scottsdale, Paradise Valley, Arcadia and beyond.
  • New-construction buyersFinancing custom and newly built homes in competitive Valley markets.
  • Self-employed with strong reservesBorrowers whose full financial picture supports a larger loan.
  • Second-home & refinance clientsBuying a desert retreat or refinancing a high-value Arizona property.

Local expertise

Jumbo loans across Arizona

Based in Peoria and helping buyers statewide. We can only assist with loans secured by properties located in Arizona.

Peoria (HQ) PhoenixScottsdaleParadise ValleyGlendale TempeChandlerGilbertMesa SurpriseGoodyearCave CreekFountain Hills TucsonPrescottFlagstaffMaricopa CountyPima County

Common questions

Arizona jumbo loan FAQ

What is the jumbo loan limit in Arizona for 2026?
For 2026, the baseline conforming loan limit for a one-unit home is $832,750, and it applies to every Arizona county. Any single-family mortgage above $832,750 is considered a jumbo loan statewide. Limits are higher for two- to four-unit properties.
What is the jumbo loan limit in Maricopa County for 2026?
Maricopa County uses the same statewide baseline as the rest of Arizona. For 2026, a one-unit loan above $832,750 in Maricopa County — including Phoenix, Scottsdale, Mesa, Chandler and Gilbert — is a jumbo loan. Arizona has no FHFA high-cost county designation for one-unit homes, so this limit applies statewide.
What is the difference between a jumbo loan and a conforming loan in Arizona?
A conforming loan meets the FHFA limits ($832,750 for a one-unit Arizona home in 2026) and can be purchased by Fannie Mae or Freddie Mac. A jumbo loan exceeds that limit, is not government-backed, and follows individual lender guidelines that typically call for stronger credit, larger down payments and more cash reserves.
How much of a down payment do I need for a jumbo loan in Arizona?
It varies by lender, loan amount and property type. Many jumbo programs look for 10%–20% down, and select programs offer lower down payments to well-qualified buyers on eligible Arizona properties. We compare options across multiple wholesale lenders to find the right fit.
Can I get a jumbo loan with 10% down in Arizona?
Possibly. Some jumbo programs allow as little as 10% down for well-qualified buyers on eligible Arizona properties, and select programs go lower. Availability depends on your loan amount, credit, reserves and the lender. Ask us to check current low-down-payment jumbo options for your scenario.
What credit score do I need for a jumbo loan in Arizona?
Because jumbo loans aren’t backed by Fannie Mae or Freddie Mac, lenders review credit, income, assets and reserves more closely and generally look for stronger credit than conforming loans require. Requirements vary by lender and program, and all loans are subject to credit approval.
How many months of cash reserves do jumbo lenders require?
Jumbo lenders often ask borrowers to hold several months of mortgage payments in cash reserves after closing, and the exact amount varies by lender, loan amount and property type. We’ll tell you what a given program requires before you apply.
Do jumbo loans require PMI (private mortgage insurance)?
Many jumbo loans are structured to avoid monthly private mortgage insurance, even with less than 20% down, though this depends on the lender and program. We’ll compare structures so you understand any mortgage-insurance or cost trade-offs.
Can self-employed borrowers qualify for a jumbo loan in Arizona?
Yes. Self-employed and business-owner borrowers can qualify for jumbo financing in Arizona. Lenders review your full financial picture — income documentation, assets and reserves — and some programs offer alternative documentation options. Requirements vary by lender and are subject to underwriting.
Are jumbo mortgage rates higher than conforming rates in Arizona?
Not always. Jumbo rates can be higher, lower or similar to conforming rates depending on market conditions, loan amount, down payment, credit profile, property type and lender pricing. Shopping multiple lenders lets us compare pricing for your specific scenario.
Can I use a jumbo loan for a second home or investment property in Arizona?
Jumbo financing may be available for primary residences, second homes and, through certain programs, investment properties — for both purchases and refinances. Options and terms vary by lender and are subject to underwriting.
Can I refinance my Arizona home with a jumbo cash-out loan?
Jumbo cash-out and rate-and-term refinances may be available for qualified Arizona homeowners, subject to loan-to-value limits, credit, reserves and lender guidelines. We’ll review whether a jumbo refinance fits your goals and current home value.
Which Arizona cities does ASJ Mortgage Solutions serve for jumbo loans?
We’re based in Peoria and help buyers throughout Arizona, including Phoenix, Scottsdale, Paradise Valley, Glendale, Tempe, Chandler, Gilbert, Tucson and Prescott. We can only assist with loans secured by Arizona properties.
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Ready to finance your Arizona home?

Get a clear read on your jumbo options from a local Peoria broker who shops multiple lenders on your behalf.

Get Pre-Qualified Call or Text (480) 376-7355
ASJ Mortgage Solutions, LLC — Arizona mortgage broker

Arizona mortgages made simple. Local experts, multiple wholesale lenders, and straight answers — based in Peoria, trusted across the state.

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Not a commitment to lend. Information on this page is for general education, is subject to change without notice, and does not constitute a loan approval, rate quote, or commitment to lend. Rates, terms, programs, and guidelines may not be available at the time of application, commitment, or closing. All loans are subject to credit approval, underwriting review, income and asset verification, appraisal, and program guidelines. Not all applicants will qualify.

Jumbo (non-conforming) loans. A jumbo loan is a mortgage that exceeds the conforming loan limits set annually by the Federal Housing Finance Agency (FHFA). For 2026, the baseline conforming loan limit for a one-unit home in Arizona is $832,750 in every county; loan amounts above the applicable limit are considered jumbo. Limits for two- to four-unit properties are higher, and conforming limits are updated each year — typically each November — and are subject to change. Because jumbo loans are not eligible for purchase by Fannie Mae or Freddie Mac and are not government-insured, they follow individual lender guidelines that generally require stronger credit, larger down payments, cash reserves, and more extensive documentation than conforming loans.

Down payment, rates & program terms. Down payment requirements, interest rates, reserve requirements, maximum loan amounts, and program availability vary by lender, loan amount, occupancy, property type, and borrower profile, and are subject to change without notice. Any figures, ranges, or examples on this page are illustrative only, are not an offer or rate quote, and do not guarantee eligibility, approval, or specific terms. Adjustable-rate mortgage (ARM) payments may increase after the initial fixed period.

Loan limits. Conforming loan limits are set by the FHFA and updated annually. The $832,750 figure reflects the 2026 one-unit baseline for Arizona. We confirm the current limit for your county and property type during pre-qualification.

Reviews. Client testimonials and Google reviews cited on this page reflect individual experiences and are not a guarantee of rates, terms, savings, closing timelines, or loan approval. Your results may vary. Illustrative photography does not depict specific properties, listings, or clients.

ASJ Mortgage Solutions, LLC dba Smart Options Mortgage · Company NMLS #1909669 · Licensed by the Arizona Department of Insurance and Financial Institutions (DIFI), Mortgage Broker License #MB-1005394 · Licensed in Arizona only.

ASJ Mortgage Solutions, LLC is a mortgage broker, not a direct lender, and can only assist with loans secured by properties located in Arizona. All loans are subject to credit approval, underwriting review, and program guidelines, which may change without notice. Information here is for general education, is subject to change, and does not constitute a loan approval, rate quote, or commitment to lend. Other limitations and restrictions may apply.

This site is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties located in the State of New York will be accepted through this site.

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