A jumbo loan refers to a mortgage that surpasses the conforming loan limits established by the Federal Housing Finance Agency (FHFA). As of 2025, these limits are set at $806,500 for most of the United States, while Alaska, Hawaii, Guam, and the U.S. Virgin Islands have an increased limit of $1,209,750. Due to the higher risk associated with jumbo loans, interest rates may be slightly higher than conventional mortgages. River Mortgage is dedicated to providing you with the optimal lending solution tailored to your unique financial situation, ensuring a smooth and successful borrowing experience.