Jumbo Mortgage

Larger Loans for Luxury Properties

Infiniti Mortgage is Albuquerque’s premier mortgage solution, helping to make successful homeownership possible for individuals and families alike. We offer loan options for every type of buyer, from first-time homeowners to experienced real estate investors—and through it all, we pride ourselves on providing a pleasant, relaxing experience complete with affordable rates and overall, a successful purchase.

In the real estate industry, there are different types of loans designed for different types of mortgages—and we recognize that some buyers may require more than a traditional mortgage. To help these buyers get into the home of their dreams, Infiniti Mortgage proudly offers jumbo mortgages.

Understanding ABQ Jumbo Loans

Conforming loans are loans that meet set mortgage limits, whereas loans that exceed such limits are referred to as jumbo loans or jumbo mortgages. Formulated to finance luxury properties in a highly competitive local real estate market, jumbo loans greatly differ from a conforming loan, and cannot be purchased, guaranteed, or securitized by Fannie Mae or Freddie Mac, federally-backed home mortgage companies overseen by the United States Congress.

Also unique to jumbo loans is the underwriting criteria they require, which is stricter due to the capacity and risk of a larger loan. To qualify for a jumbo loan, the following may be required:

  • A high, favorable credit score, typically exceeding 700.
  • A low debt to income ratio.
  • Though not required, you may be more likely to be approved if you have ample cash reserves.
  • Documentation certifying your financial health.

Choose Infiniti Mortgage

When you’re ready to make your dream home a reality, our experienced brokers are ready to help! Reach out to us today at (505) 881-0801 and discover why we’re Albuquerque’s best option for jumbo loans.

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New Mexico MLS ID #187935 - #224396