Financing above Arizona’s $832,750 conforming limit. We shop multiple lenders to get you low rates.
Larger loans, white-glove service, more options. We broker your loan or fund it ourselves.
Arizona's conforming limit, statewide.
Self-employed and bonus income welcome.
We price your loan across multiple lenders.
One team from quote to close, no handoffs.
Our straightforward process brings fast quotes, a simple online experience, easy e-signs, and expert advice every step of the way.
Get started online or on the phone in minutes. We map your income and assets up front.
We compare jumbo programs across lenders, with real payment numbers for each.
Jumbo files need more documentation. We tell you exactly what, and why, up front.
Review and sign your closing documents. Then pick up the keys.
Pick the officer you click with — every Agave LO is dedicated to your file from quote to close.
Jena is a skilled Presidents Club Mortgage Loan Originator with more than 3+ years of experience, offering personalized service for both purchase and refinance mortgages.
Greyson has a proven track record of securing favorable rates and terms for his clients with 2+ years of experience.
Hanna and Agave Home Loans will guide you through the home buying or refinance process with ease and transparency with 8+ years of experience.
Talk to a jumbo specialist today. No hard credit pull, no obligation.
Very easy to work with. Explained everything and kept me in the loop every step of the way. Would highly recommend them.
I chose to work with Jacob because he was never pushy. I was cautious because there are so many scams out there. What impressed me most was that there were never any surprises — everything he told me would happen happened exactly as he explained it.
Worked with the broker and underwriter from the initial consult. Never felt rushed. They met our terms with all the fine print details and goals that were important to us. Process from start to closing was fast and seamless.
Quick answers about jumbo loans, eligibility, and how Agave compares.
We provide the options, you make the choice. Our home loans are backed by expert guidance, competitive rates, and complete transparency.
Modern tools and a streamlined process help you close quickly without the confusion or extra costs.
A jumbo loan is any mortgage larger than the conforming limit set each year by the Federal Housing Finance Agency — the maximum Fannie Mae and Freddie Mac will buy. For 2026 that baseline in Arizona is $832,750 for a single-family home. Some parts of the country have higher limits because local median prices are higher, but every Arizona county sits at the baseline. That makes the threshold simple here: in Arizona, a loan above $832,750 is a jumbo loan, wherever in the state you are buying.
The loan amount. A $1 million home with $200,000 down leaves an $800,000 loan — under the Arizona limit, so it is a conventional conforming loan, not a jumbo. Increasing your down payment can move a purchase from jumbo to conforming and change your rate and requirements along with it. That calculation is worth running before you assume you need a jumbo loan, and it is one of the first things we will look at.
More than on a conforming loan, though less than the traditional 20% in many cases. Jumbo down payments commonly start around 10% and rise from there depending on the loan size, the property, and your overall profile. Because jumbo loans are not backed by Fannie Mae, Freddie Mac, or a government program, there is no single rulebook — each lender sets its own requirements, which is exactly why comparing several matters more here than on a conforming loan. Agave offers jumbo mortgages with a minimum credit score of 680 and minimum down payment of 10%. Putting down 20% or more often opens up better interest rates.
Not always, and the gap is smaller than most people expect. Jumbo loans once carried a clear rate premium, but pricing now moves with lender appetite, and jumbo rates sometimes come in close to or below conforming rates depending on the lender and the borrower. Because there is no government backing setting a floor, jumbo pricing varies more between lenders than conforming pricing does. That variation is the argument for shopping the loan rather than taking the first quote.
Getting your initial options from Agave doesn't require a hard credit inquiry. Our quick quote asks you to estimate your own credit range, or we can run a soft pull. You get to see where you stand before any true credit inquiry. If you decide to move forward with a full application, we'll ask your permission first and explain exactly what happens next.
A licensed Agave loan officer reviews your information and reaches out to talk through your options, usually within minutes. You'll get real numbers to look at, an explanation of the tradeoffs, and a straight answer about whether a jumbo loan is the right fit or whether a larger down payment would put you into a conforming loan instead. There's no obligation to move forward, and we don't sell your information or share it with other companies to market to you.
Disclaimer: By refinancing your existing loan, your total finance charges may be higher over the life of the loan. This is not a commitment to lend or an offer to extend credit. All loans are subject to credit approval, underwriting, and program guidelines. Not all applicants will qualify. Rates, fees, terms, and programs are subject to change without notice and may vary based on credit history, loan-to-value (LTV), property type, occupancy, loan amount, loan purpose, and other factors. Any rates, payments, or savings examples shown are for illustrative purposes only, are based on assumptions that may not apply to your situation, and are not a quote or guarantee of available terms. Your actual rate and payment will depend on your individual circumstances. Maximum LTV varies by loan program, property type, and occupancy, and stated LTV limits may not be available for all borrowers or programs. Additional restrictions, conditions, and requirements may apply. Contact us for a personalized quote.
Agave Home Loans offers low, competitive rates on a full range of mortgage products, including VA, FHA, conventional, jumbo, cash-out, HELOC, home equity, and more. Based out of Phoenix, Arizona, we help homeowners and homebuyers nationally to refinance, access home equity, and purchase. Our team is committed to an easy and online home loan experience at every milestone.
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