Jumbo Loans
Financing for homes priced above conforming loan limits — competitive rates and flexible qualification for well-qualified buyers.
Talk to a Local ExpertWhy buyers choose Jumbo loans.
Finance above conforming limits
Purchase or refinance homes priced above the conforming loan limits set for your county.
Down payments as low as 10%
Well-qualified borrowers may put down significantly less than the 20% many assume Jumbo loans require.
Competitive rates
Jumbo doesn't have to mean a rate penalty — pricing is competitive for strong credit and reserve profiles.
In-house underwriting
As a correspondent lender, we underwrite Jumbo files ourselves — no waiting on a separate institution to sign off.
Ready to see what you qualify for? Here's how.
Jumbo approvals weigh reserves and credit profile a bit differently than conforming loans. Watch a short walkthrough of the steps, or connect directly with a local expert who works with these loans regularly.
Talk to a Local Expert
We're here to help. Anytime.
Have questions about loan limits, reserve requirements, or down payment options for Jumbo financing? Get neighborly, straight answers.
Better equipped to help you qualify.
By funding loans with our own capital, we go beyond traditional options to find the Jumbo program that actually fits your situation.
More than just loans.
We reinvest locally across Knoxville, Nashville, Sevierville, Dayton, and now Florida — because we're part of the same communities we lend in.
Not sure Jumbo Loans is the right fit?
Four steps from application to keys in hand.
Complete your application on your own schedule. Your loan officer handles the rest.
Tell us about you
Submit your application online and upload documentation securely — no paperwork required.
Choose your program
Your loan officer walks you through the rate and program that fits your situation best.
Get approved
We review your loan, order the appraisal, and verify details — funded with our own capital.
Close your loan
Sign your final documents and get your keys. You'll stay a part of the FCLS family after close.
Learn more with articles from our blog.
The 3 Economic Indicators We Watch Every Week (And Why They Matter to Mortgage Rates)
6 Signs You’re Ready to Buy a Home (Not Just Financially)
What Do Mortgage Lenders Look At? 5 Things to Get in Order Before You Apply
