Jumbo & High Balance Loans
Financing for luxury and high-value properties — starting at 680 FICO
What Is a Jumbo Loan?
A jumbo loan is a mortgage that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. In most Tennessee counties, the 2024 conforming limit is $766,550. Any loan above that amount is considered a jumbo loan and requires separate underwriting guidelines. CFC Mortgage offers jumbo programs starting at a 680 FICO score.
High Balance Loans
High balance loans fall between the standard conforming limit and the jumbo threshold in high-cost counties. They offer slightly more favorable terms than true jumbo loans while still financing properties above the standard limit. Ask us whether your county qualifies for high balance limits.
Key Benefits
- Loan amounts above $766,550
- Programs starting at 680 FICO
- Fixed and adjustable rate options
- Primary, second home, and investment property eligible
- Jumbo alternative programs for unique situations
- Access to multiple jumbo lenders for competitive pricing
- Available in TN, FL, and SC
Questions? Let's Talk.
Jay Spurlin has been helping Hendersonville families finance their homes for over 26 years. Call or apply online today.