Mortgage Navigator • Jumbo / Non-Conforming

Jumbo Income & Employment

Complex income can be perfectly usable—but the investor's documentation and stability rules matter.

Income types

Salary, bonus, overtime, commission, self-employment, rental income, RSUs, trust distributions, retirement and asset-based income can all require different histories and calculations.

Coming in the deep dive

V63 will expand self-employment, RSUs, asset depletion, trust income, business funds and high-net-worth borrower scenarios.

Jumbo is investor-specific. Unlike Fannie Mae, Freddie Mac, FHA, VA or USDA, there is no single national jumbo underwriting handbook. Credit score, LTV, DTI, reserves, loan size, property, appraisal and income rules can vary materially by investor and lender. This page explains common underwriting concepts—not a universal approval matrix.

Primary official references

FHFA 2026 Conforming Loan Limits · Fannie Mae Loan Limits · Freddie Mac 2026 Loan Limits · Freddie Mac Super Conforming