Atlanta 95% Jumbo Home Loan

Home buyers in Georgia can now obtain Jumbo financing up to 95%. Jumbo home loan guidelines have continued to relax in 2025, as a result, eligible home buyers can secure a Jumbo mortgage with as little as a 5% down payment.

This is great for buyers in the higher costs locations around metro Atlanta like Marietta, Alpharetta, Buckhead, etc.  Let’s talk about the Atlanta 95% Jumbo home loan below:

First, A jumbo loan is one where the loan amount is over the conforming limit, often set by Fannie Mae. In Georgia, the current conforming loan limit is $806,500. The conforming loan limit varies based on the property location and is higher in areas of the country with higher housing prices like Florida or California.

Here are some of the highlights of our Georgia Jumbo Programs:

• Jumbo loans to 95% Financing  – Up to $1,500,000 loan amount!
• Loan amounts up to $4.0M with a higher down payment
• Adjustable and fixed interest rate terms are available
• 1-4 family residences
• Primary or vacation homes (2nd home) properties only
• Adjustable or Fix rate terms with NO PMI
• U.S. properties only
• Cash out on refinances
• Low-rise and high-rise condos
• Full income and asset documentation are required – except to Non-Conventional loan options below.

Current Jumbo mortgage loan-to-value limits and credit standards for 2025.

• Up to 95% LTV to $1,500,000 with  700+ credit score. Only 5% down payment with no monthly PMI.
• Up to 90% LTV to $2,000,000 with 720+ credit score
• Up to 85% LTV to $3,000,000 with 720+ credit score

If you are a self-employed borrower that has trouble documenting income – be sure to click the blue link and look at our Non-Conventional Loan Options.  Some of these Non-Conventional mortgages allow loan amounts up to $2,000,000 with income verification via bank statements, not traditional tax returns, P&L, etc.  They can be used to purchase both owner-occupied and vacation homes.

Five Stars offers jumbo financing for a number of different scenarios:

• Purchase Loans
• Refinancing existing home
• Jumbo mortgages for second homes or vacation properties
• Investment property financing
• Mortgages for single-family homes, condos, townhomes, and two to four-unit properties (Properties with five or more units generally require commercial financing.)

Please see the video below for more helpful information on the 95% Jumbo Mortgage in Atlanta.

Five Stars understands complex financial situations like self-employed borrowers, etc. We also pride ourselves in quick decision-making, with a dedicated Jumbo Team assigned to all transactions. Our familiarity with local luxury markets is what sets us apart.

Please contact us today, we are available to assist you 7 days a week.  For quick service, please call us or submit the “Request Contact” form at the top of your screen.

Serving all of Georgia: Atlanta, Marietta, Macon, Augusta, Columbus, Savannah, Alpharetta, Buckhead, Cumming, Duluth, Johns Creek, Kennesaw, Norcross, Smyrna