Bigger loan. Same straight answers.

Any loan above the conforming limits set annually by the FHFA for your county. Above that line, loans aren’t eligible for purchase by Fannie Mae or Freddie Mac, so lender guidelines — credit, reserves, documentation — get more specific.

Not necessarily — jumbo pricing is often competitive with, and sometimes better than, conforming pricing depending on the market and your profile. The real difference is qualification structure, not just rate.

Start early. Underwriters analyze two years of returns, business trends, and reserves. Cole reviews your documentation up front and structures the file the way underwriting will read it, which is how you avoid mid-process surprises.