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Ready to Purchase a Luxury Home or Large Property?

A jumbo loan lets you go beyond the usual lending limits, so you can finance homes over $806,500—no need to conform to standard loan rules. Think big, dream big, and make it happen!

Solo Stove Giveaway

Get a Free Solo Stove® with Your Mortgage

Buying a home or refinancing? Apply with Midland between July 1 and August 31, 2025. Once your loan closes, we’ll send you a free Solo Stove®.*

Promo code: STOVE25

You Might Say We're Unlike Any Other Bank

At Midland, we know it only takes a moment for an idea to spark, to find your dream home, or to start planning for your forever. Whatever your moments are, we're here for them. Learn who we are

They were responsive, calm, and attentive to all my questions as a first-time homebuyer. The process was simple, easy, and not stressful at all.
Abigail, Customer
My loan officer did a fantastic job. I'd recommend them to any friends or family buying a house!

Peyton, Customer

Key Features & Benefits

Higher Loan Amounts

With a jumbo loan, you can borrow more to buy that larger, high-end property you've been eyeing. Homes that might be out of reach with a conventional loan become possible!

Mortgage Rate Options

Choose between fixed-rate and adjustable-rate jumbo mortgage loans. We'll help you find the right option for your specific financial needs and goals

Streamlining Financing

With a jumbo loan, you only need one loan to cover your home purchase, instead of juggling multiple loans. This makes managing your finances simpler and more convenient.

Mortgage Payment Calculator
Home Affordability Calculator

Unlock Your Dream Home

1. Get Pre-Approved Understand the benefits before you begin. What to know about pre-approval.
2. Find Your New Home With your pre-approval in hand, start searching for your next home.
3. Close the Deal Finalize your mortgage loan, sign the paperwork, and smoothly transition into your new home!
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Quiz: Find Your Ideal Home Loan

Explore quick, interactive quizzes to pinpoint a loan tailored to your needs. Where are you in your home financing journey?

Frequently Asked Questions

Why get a jumbo loan with Midland States Bank?

In today's competitive real estate market, purchasing your ideal home can seem nearly impossible. Midland States Bank helps make your homebuying dreams a reality with a jumbo loan. Whether you want to purchase a luxury home, a large property or a house in a sought-after area, we'll help you find a solution that works best for your needs. Partnering with us allows you to:

  • Apply online: Our straightforward online application takes just minutes to complete.
  • Get the best rates: We offer competitive rates on our jumbo loans.
  • Receive expert assistance: Our experienced team is here to help you every step of the way.
  • Enjoy world-class customer service: We put our hearts into helping you achieve your homebuying goals.

Do I qualify for a jumbo loan?

Specific qualification requirements apply to jumbo loans. Generally speaking, the requirements tend to be strict because the loan amount is high. Factors including, but not limited to, your credit score, debt-to-income ratio and how much cash you have on hand will determine if eligibility. A Midland mortgage professional will provide details specific to each borrowers circumstance.

Will I need mortgage insurance with a jumbo loan?

If you pay less than 20% for your down payment, you will likely need to take out private mortgage insurance on your jumbo loan.

What types of properties can I purchase with a jumbo loan?

You can purchase single-unit properties, condos, or single-family attached and detached homes for your primary or secondary residence. Manufactured homes and multi-family properties are ineligible for our jumbo loans.

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Contact Us

Our team of dedicated professionals are here to support you.

*Applicants must use promo code STOVE25 when submitting an online mortgage application or when meeting with their Mortgage Loan Originator. The free Solo Stove® gift applies to loan applications on single-family, 1-4 unit properties for first-lien residential purchase or refinance mortgage loans only. Offer available on loan applications with Loan Estimate disclosures dated July 1, 2025 – August 31, 2025. This does not include pre-approval applications. No minimum loan amount is required to receive the offer. Standard loan program details still apply. All applications are subject to approval under Midland's underwriting guidelines. Gift is provided only upon loan approval and closing. Gift will be mailed to customers after the closing date to the new home’s address unless otherwise stated. Gift may be reported as taxable income and produce a 1099-MISC. Gift is limited to one per loan. No cash equivalent or transfer of prize is permitted. Offer subject to change without notice.