VA Loan Limits & VA Jumbo Loans

VA Loan Limits For Home Purchase Loans

The current VA loan limit for eligible veterans with full entitlement is $417,000. Qualified veterans may purchase a home with no money down up to a purchase price of $417,000.

The VA Loan Place Now Offers Borrowers Jumbo VA Loans Over The Standard VA Loan Limit Of $417,000!

Veterans and active duty personnel can now Get Pre-Qualified for a VA Jumbo Loan up to $1,000,000 with VA Loan Place. Qualified applicants will be required to pay 25% of the difference of the loan amount that exceeds $417,000, plus the VA funding fee up front.

What’s the Advantage to VA Jumbo Loan?

Better Rates

One of the biggest advantages of a VA Jumbo Loan is the loan is partially guaranteed by the US government. VA Lenders know that if the loan goes into default, they will not suffer as large a loss. Since the risk is less, the VA Jumbo loan rate is normally 1% - 2% than a jumbo lender can offer. This can significantly reduce your monthly payment, allowing you to afford a larger home.

Lower Down Payment

With the ongoing real estate and mortgage “melt-down” that began in late 2007, lenders have taken huge losses on Jumbo loans. As a result of these losses, Jumbo loans have become much more difficult to obtain, and the down payment requirements for Jumbo loans have been drastically increased. Depending on the purchase price and credit history, lenders may require a down payment of up to 40% of the purchase price. With a VA Jumbo Loan from VA Loan Place, qualified veterans only need to pay 25% of the amount that exceeds $417,000, plus the VA funding fee.

Easier Qualifying

Jumbo Loans are scrutinized by lenders more than any other loan. Why? Because the risk is greater should the loan go into default. Lenders have very strict requirements to qualify for a Jumbo loan. Larger down payments, higher credit scores, lower debt ratios, and additional assets are required. Because the VA partially guarantees our VA Jumbo home loans, The VA Loan Place is able to offer these to our veterans with fewer restrictions, allowing more applicants to qualify.

Ready to get started?

Call and speak to one of our VA loan specialists today. The toll-free number is (866) 704-2826. You can also complete our safe, secure online request form. There is no obligation to you, and no cost to Get Pre-Qualified. You will be contacted by VA loan specialist who will assist you with each step from start to finish.

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