In Raleigh’s fast-paced real estate market, high-end homebuyers need more than a standard mortgage. Enter the jumbo loan—a powerful financing tool that’s helping luxury buyers save thousands while securing the home of their dreams. At The Coley Group, we’re always looking for smart, strategic options that give our clients a competitive edge. If you’re looking to finance a property over $806,500, this post is for you.

What Is a Jumbo Loan?

A jumbo loan is a type of mortgage that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. In most areas, that limit is $806,500, but in high-cost markets, it can be higher. Jumbo loans are ideal for financing luxury properties, second homes, or investment properties that require larger loan amounts.

But bigger doesn’t mean more expensive—especially when you know where to shop.

Why Jumbo Loans Are Heating Up in 2025

Many high-net-worth buyers feel a sense of loyalty or security working with traditional big banks. After all, they’ve built strong financial relationships over time. But here’s the truth: big banks often charge more for jumbo loans, relying on brand recognition rather than aggressive pricing.

Here’s the kicker—we’re seeing rates from select lenders that are consistently beating the big banks, with fixed rates around 6.375% and adjustable rates starting at just 5.75%, with no costs to the borrower. That’s a major difference, especially when you consider the potential monthly savings.

Real-Life Example: $1,000+ Monthly Savings

A recent case really says it all. A client was quoted a 7.4% rate for a 30-year fixed jumbo loan at their long-time bank. The upfront cost? Nearly $10,000. When they reached out to a lender partner of ours, they were offered a 5.99% adjustable-rate mortgage (ARM)—saving them nearly $1,000 a month.

That’s not a hypothetical. That’s real money back in your pocket every single month.

Fixed vs. Adjustable Rate: Which One Is Right for You?

• Fixed Rate (6.375%): Best for clients who plan to hold their loan long-term and want payment stability.
  
• Adjustable Rate (5.75%): Ideal for savvy buyers who may refinance or move within a few years. Most popular terms are 5-7 year ARMs, which offer significantly lower rates upfront.
  

For many luxury buyers who plan to refinance or sell before the ARM adjusts, this option makes excellent financial sense.

How Jumbo Loans Give You a Competitive Edge

In Raleigh’s competitive market, making a non-contingent offer can make or break a deal. Jumbo loans—especially when paired with tools like home equity lines of credit (HELOCs) and bridge loan strategies—can help buyers move forward confidently without needing to sell first.

Bonus strategy: If a client has 20% equity in their current home and plans to list it within 90 days, they may not even need to count their existing mortgage against their debt-to-income ratio. That opens the door to stronger offers, better positioning, and smoother closings.

Questions to Ask When Considering a Jumbo Loan

• Do I qualify for a rate below 6.5%?
  
• Would an adjustable rate give me more monthly flexibility?
  
• Do I have significant equity in another property to leverage?
  
• Am I working with a lender who offers in-house jumbo products, not just big-bank pricing?
  

Final Thoughts: Think Bigger, Borrow Smarter

Jumbo loans aren’t just about bigger properties—they’re about better strategy. With in-house lending options that offer aggressive rates, fast closings, and no hidden fees, high-end buyers in Raleigh can save big while staying competitive in a crowded market.

If you’re thinking about buying a luxury home in the Triangle or simply want to explore your jumbo financing options, The Coley Group is here to help. We partner with top-tier lenders to ensure our clients are empowered with the best possible terms—and the knowledge to make confident, informed decisions.

Secure Your Dream Home—With Rates You Won’t Find Online

Ready to explore jumbo loans with exclusive rates not available to the public? At The Coley Group, we connect you directly with our preferred lending partner—someone who consistently beats big bank offers and understands the needs of Raleigh’s high-end buyers.

Whether you’re buying your forever home or upgrading to fit your lifestyle, working with the right lender can save you thousands over the life of your loan.

Let us make the introduction. When you work with us, you’ll gain access to:

• Lower jumbo loan rates through our trusted lender relationships
  
• Fast-tracked loan approvals tailored for luxury buyers
  
• Smart financing options to keep your cash flow strong

Get in contact with us today to get your real estate journey started right. We can’t wait to show you Raleigh’s best.