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A jumbo loan is a mortgage for an amount that exceeds the limits set by Fannie Mae and Freddie Mac. Any loan above the conforming loan limits is considered a jumbo mortgage. Borrowers interested in homes that require larger mortgages should have stable income, good credit, and plenty of reserves. Jumbo loans are good for repeat and first-time home buyers who meet the guidelines and can put 20% down.

Be prepared to submit full documentation to apply for a jumbo loan.

Important documents include:

Bank Statements
2-3 years' W-2 statements or 1099 statements
2-3 years' tax returns
Investment accounts and other asset information