In the United States, a jumbo mortgage is a mortgage loan that may have high credit quality, but is in an amount above conventional conforming loan limits.This standard is set by the two government-sponsored enterprises, Fannie Mae and Freddie Mac, and sets the limit on the maximum value of any individual mortgage they will purchase from a lender. Fannie Mae (FNMA) and Freddie Mac (FHLMC) are large agencies that purchase the bulk of U.S. residential mortgages from banks and other lenders, allowing them to free up liquidity to lend more mortgages. When FNMA and FHLMC limits don't cover the full loan amount, the loan is referred to as a "jumbo mortgage". Traditionally, the interest rates on jumbo mortgages are higher than for conforming mortgages, however with GSE fees increasing, Jumbo loan
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| - Jumbo mortgage (en)
- Prêt jumbo (fr)
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| - Un prêt jumbo, également connu sous le nom d'hypothèque jumbo, est une forme de financement de domicile apparue aux États-Unis au début des années 2000, et dont le montant dépasse les limites de prêt dit « conformes » fixées par l'Agence fédérale de financement du logement (Federal Housing Finance Agency). Par conséquent, contrairement aux prêts hypothécaires conventionnels, ils ne peuvent être achetés, garantis ou titrisés par Fannie Mae ou Freddie Mac, les deux agences dirigées par le gouvernement qui achètent des hypothèques auprès des prêteurs. Conçues pour financer des propriétés et des logements de luxe dans des marchés immobiliers locaux hautement concurrentiels, les hypothèques jumbo sont assorties d'exigences uniques en matière de souscription et d'incidences fiscales. (fr)
- In the United States, a jumbo mortgage is a mortgage loan that may have high credit quality, but is in an amount above conventional conforming loan limits.This standard is set by the two government-sponsored enterprises, Fannie Mae and Freddie Mac, and sets the limit on the maximum value of any individual mortgage they will purchase from a lender. Fannie Mae (FNMA) and Freddie Mac (FHLMC) are large agencies that purchase the bulk of U.S. residential mortgages from banks and other lenders, allowing them to free up liquidity to lend more mortgages. When FNMA and FHLMC limits don't cover the full loan amount, the loan is referred to as a "jumbo mortgage". Traditionally, the interest rates on jumbo mortgages are higher than for conforming mortgages, however with GSE fees increasing, Jumbo loan (en)
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| - In the United States, a jumbo mortgage is a mortgage loan that may have high credit quality, but is in an amount above conventional conforming loan limits.This standard is set by the two government-sponsored enterprises, Fannie Mae and Freddie Mac, and sets the limit on the maximum value of any individual mortgage they will purchase from a lender. Fannie Mae (FNMA) and Freddie Mac (FHLMC) are large agencies that purchase the bulk of U.S. residential mortgages from banks and other lenders, allowing them to free up liquidity to lend more mortgages. When FNMA and FHLMC limits don't cover the full loan amount, the loan is referred to as a "jumbo mortgage". Traditionally, the interest rates on jumbo mortgages are higher than for conforming mortgages, however with GSE fees increasing, Jumbo loans have recently seen lower interest rates than conforming loans. (en)
- Un prêt jumbo, également connu sous le nom d'hypothèque jumbo, est une forme de financement de domicile apparue aux États-Unis au début des années 2000, et dont le montant dépasse les limites de prêt dit « conformes » fixées par l'Agence fédérale de financement du logement (Federal Housing Finance Agency). Par conséquent, contrairement aux prêts hypothécaires conventionnels, ils ne peuvent être achetés, garantis ou titrisés par Fannie Mae ou Freddie Mac, les deux agences dirigées par le gouvernement qui achètent des hypothèques auprès des prêteurs. Conçues pour financer des propriétés et des logements de luxe dans des marchés immobiliers locaux hautement concurrentiels, les hypothèques jumbo sont assorties d'exigences uniques en matière de souscription et d'incidences fiscales. (fr)
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