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Jumbo Loans

A jumbo loan is a great option for buying a higher-priced home or a home in a high-cost area. Let's find a jumbo mortgage that gets you into the home of your choosing.

We’re here to help every step of the way

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Apply online

Start your loan application here. Don't worry—if you get stuck, we're just a phone call away.
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Call us at
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We'll help you find the right loan, start your application, and answer your questions.
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Find a loan advisor

Connect with a local expert and meet remotely or at a nearby branch. We'll guide you through the entire home loan process.

Let’s make your next move your best move

When you’ve found the perfect home in the perfect location, we’ll help you find the right financing to make it yours. We offer a variety of jumbo loans that feature the flexibility and terms that match your lifestyle. Perfectly. 

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Higher loan amounts

For financing that goes beyond conforming loan limits.

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Various property types

Jumbo solutions for primary residences, second homes, and investment properties

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Multiple financing options

Jumbo loans available for home purchase, rate/term refinance, or cash-out refinance

Dream bigger with a jumbo mortgage

Whether your dream home features amenities, a stunning view, or is all about location, a conventional mortgage isn’t enough to make it yours. We offer many types of jumbo home loans with the flexibility to finance larger purchases and terms that align with your finances. Contact us to see if a jumbo loan is right for you.

  • Loan amounts up to $3.5 million on primary residences, up to $3 million on second homes
  • No mortgage insurance required for some primary home loans
  • No prepayment penalty
  • First-time homebuyers are welcome
  • Available for home purchase, rate/term refinance, and cash-out refinance

Let’s find the perfect mortgage for you

If you're like most people, buying a home is the largest purchase you'll ever make, but you don't have to go it alone. Talk to the friendly, competent, and trustworthy experts at Flagstar to find a home loan that's right for you. 

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Apply online

Start your loan application here. Don't worry—if you get stuck, we're just a phone call away.

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Speak with a loan advisor

We'll help you find the right loan, start your application, and answer your questions.

Icon of a person standing next to a map location symbol

Find a loan advisor

Connect with a local expert and meet remotely or at a nearby branch. We'll guide you through the entire home loan process.

Manage your loan your way with MyLoans®

Sign in to MyLoans anytime to make payments, view your statements, sign up for paperless statements, and more. Everything you need is right at your fingertips.

Learn more
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Everything you need to know about home loans

Whether you're an expert or a first-timer, find the ins and outs of mortgages here. Learn what it takes to qualify for a loan, discover the different types of mortgages, and finally understand what an escrow account is for. 

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Home loan basics

Learn how mortgages work, the differences between adjustable and fixed interest rates, and more.
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The mortgage process

Get a step-by-step breakdown, from prequalifying to inspections to closing and beyond. 
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Mortgage Loan Calculators

Calculate your house-hunting budget, monthly payments, closing costs, and more.

Why choose Flagstar?

A mortgage is more than a monthly payment. It’s the foundation of your financial future, giving you peace of mind today while still leaving room for other goals. Flagstar will help you find the right financing for your life from our full range of solutions, including jumbo and government-backed mortgages and home equity lines of credit. Whether you’re buying a home, refinancing, or tapping into your home’s equity, you can count on our decades of experience, make-life-easier technology, and simple application to support you.

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Best Mortgage Lenders for First-Time Homebuyers

Forbes, 20251

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Best Mortgage Lender Overall

NerdWallet 20242

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Simple Application Process

Apply online or over the phone

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Expansive Product Set

Competitively priced conventional, government, and specialty solutions

You may also be interested in:

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Adjustable rate mortgages

Don't let the word “adjustable” keep you away from a great loan. Find out if an ARM is right for you.
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Government home loans

VA, FHA, and USDA loans can make homeownership possible—and more affordable. Explore the different types of government-backed loans. 
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Fixed rate mortgages3

No surprises here, just peace of mind from consistent monthly payments that fit into your budget. 

Programs for qualified borrowers. All borrowers are subject to credit approval, underwriting approval, and product requirements, including loan to value, credit score limits, and other lender terms and conditions. Fees and charges may vary by state and are subject to change without notice. Some restrictions may apply. Not a commitment to lend. A loan advisor will review and provide you with the terms, conditions, disclosures, and additional details on the interest rates that apply to your individual situation.

Flagstar Bank NMLS# 417490