Jumbo Mortgages Offer New Opportunities Above $832,750 Limit

For the week ending September 11, 2026, average 30-year fixed mortgage rates were 6.97% for conforming loans and 7.03% for jumbo loans, with jumbo rates surpassing conforming for the first time. The 2026 baseline conforming loan limit is $832,750 for most one-unit homes, rising 3.26% from 2025. Loans above this limit are considered jumbo, often carrying higher rates due to different underwriting and investor demand.