OnlyWay Mortgage · Jumbo loans
Jumbo Loans in Georgia
When the home you want calls for a loan above the conforming limit, you're in jumbo territory. For 2026, the FHFA's baseline limit for a one-unit home is $832,750, and loans above your county's limit are generally jumbo. We'll help you prepare a file that's ready for a closer look.
However you like to decide, start here.
- 01Bottom line firstSkip ahead: book a complimentary consultation and get a written plan.Book your consultation
- 02Show me what's possibleSee if jumbo loans is the right fit for what you want next.Is it a fit?
- 03Walk me through itWhat we look at, step by step, so nothing catches you off guard.See the approach
- 04Give me the detailsCommon questions, answered plainly.Read the answers
Who it fits
A good fit when…
- Buyers of higher-priced Georgia homes
- Move-up buyers selling one home and buying another
- Professionals and business owners with strong assets
- Owners refinancing a larger loan on the home they live in
How we work
The approach.
- 01Credit history and scores
- 02Income, including business or bonus income
- 03Savings and reserves left after closing
- 04Monthly debts compared with income
- 05The home's appraisal
Financing availability depends on the borrower, property, purpose, lender, program, and jurisdiction. All financing is subject to eligibility, underwriting, program guidelines, property review, and lender requirements. No approval, rate, term, savings, timeline, or closing result is guaranteed.
Questions
Plainly answered.
What makes a loan 'jumbo'?
A jumbo loan is larger than the conforming loan limit the FHFA sets each year for Fannie Mae and Freddie Mac. For 2026 the baseline for a one-unit home is $832,750; limits vary by county, and some high-cost areas are higher.
Are jumbo requirements different?
Often, yes. Each lender sets its own down payment, credit and savings requirements for jumbo loans. We'll compare options for you.
Can you guarantee approval or a rate?
No. Every loan is subject to the lender's review of your credit, income, assets and the home, and rates change daily. We tell you honestly what looks realistic before you spend time or money.
Residential mortgage services are offered in Georgia only.
Residential mortgage
Verify licensing at NMLS Consumer Access. Equal Housing Lender.
Equal Housing Lender. Clients are never required to use an affiliated or suggested service provider. You are free to choose your own lender, closing attorney, inspector, insurer, and other providers.
The right way forwardstarts here.
A complimentary, private strategy session. You leave with your numbers, a market brief and a timeline, whether or not you work with us.