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Jumbo mortgages from most banks and mortgage companies are capped at 80% of the purchase price on a primary residence or 2nd home. (20% down payment)This is the same for a rate/term refinance. Normally a 700 credit score is required to qualify for a "good" jumbo rate.

Lenders do not stick their necks out as far on jumbo loans as it is a lot of money to risk! Debt to income ratios are also tighter for jumbo loans. The down payment requirements are steeper as well.