Jumbo loans (>$832,750 in York County)
Roughly a quarter of 2025 OOB sales priced above the 2026 conforming limit. Jumbo isn't one product, it's a category with meaningfully different guidelines from each investor.
Where the line is
2026 conforming limit, York County, ME: $832,750 single-family. Anything above is jumbo. (FHFA announces annually each November.)
Standard guidelines
700+ FICO, 12+ months reserves, full income doc, 10 to 20% down depending on loan size. Pricing typically equal to or slightly under conventional at the same FICO/LTV in the current market.
Big-loan tiers
To $1.5M: 10% down possible with portfolio investors. To $3M: 20% down standard. Above $3M: 25 to 30% down, private bank relationships often more competitive than agency wholesale.
Condo-specific
Jumbo on OOB beachfront condos requires a full project review. Many associations have insurance gaps (wind/hurricane sublimits, no ordinance & law) that kill warrantability, Deja pre-screens the project before contract.
- 2026 conforming limit
- $832,750 (York County)
- Min FICO
- 700 (some 680)
- Reserves
- 12+ months PITIA
Compiled from Town of Old Orchard Beach, RSU 23, FEMA, Maine Revenue Service, US Census, and MLS. Deemed reliable but not guaranteed; verify before any transaction.
Financing questions on a Maine to Florida move: Maine to Florida Mortgage Broker
This site does not originate loans and is not an offer or commitment to lend. Figures are estimates for education only. Equal Housing Opportunity.