FAQ
What is a jumbo loan and when do I need one?
In most Utah counties, any loan above ~$806,500 (2025) is a jumbo loan. Jumbos have stricter credit and reserve requirements but competitive rates.
By Tres Miller · Mortgage Banker · NMLS #217768
Reviewed June 22, 2026 · 31+ years lending in Utah
Quick Answer
In most Utah counties, any loan above ~$806,500 (2025) is a jumbo loan. Jumbos have stricter credit and reserve requirements but competitive rates.
Detailed answer
High-value Utah neighborhoods — Park City, eastern Salt Lake County foothills, and luxury St. George — frequently require jumbo financing. We arrange jumbo loans with flexible underwriting for self-employed, retired, and asset-rich Utah borrowers.
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