01
Your goal
The home or property you have in mind and the timing you’re working toward.
Above conforming · Loan guide
Jumbo loans.
Start with your situation.
Financing for loan amounts above conforming limits, with a plan for income documentation and reserves.
How this program works
What changes the fit.
Utah and Idaho cities on this desk use the same person and a program that has to match the house.
Jumbo is the conversation once the loan amount is above the conforming limit. On the Wasatch Back, in northeast Utah County, and in Eagle, that limit arrives faster than people expect. High-balance conventional is sometimes still available and should be priced next to jumbo.
These files are won or lost on reserves and on how income is documented, especially for self-employed buyers. A second home in Park City is not underwritten like a primary home in Lehi. Say which one it is at the start. A flyer rate is less useful than a payment that includes the taxes and insurance on that house.
Who this may fit
Alpine, Park City, Eagle, and other high-value purchases.
What to discuss
- Local jumbo and high-balance options
- Second homes in the mountains
- Compare available pricing and loan structures
From an option to a plan
Three things to bring.
A first conversation can help you understand the details before a full application.
02
Your income picture
How you earn, what documentation you have, and the monthly payments already in your budget.
03
Your funds
The down payment, reserves, and closing-cost budget you want to work with.
Program availability, terms, and eligibility depend on the lender and your complete application. This overview is not a commitment to lend.
A real person. A clear next step.
Let’s talk about Jumbo.
Bring your questions and the numbers you’re working with. Brandon will help you understand the options and decide what comes next.
Brandon MaughanUtah & Idaho · 8am–8pm MT
Keep the comparison open