What things to Consider Prior to getting a great Jumbo Loan Being qualified having an excellent jumbo mortgage is like qualifying a compliant financing but with stricter conditions. To be eligible for a beneficial jumbo mortgage, you will need to present a good financial profile with high credit history, a minimal loans-to-income (DTI) proportion and an acceptable money. An ideal credit rating A premier credit score suggests loan providers that you are an established debtor who can feel trusted while making to your-date financing repayments. The greater your rating, the greater your lender’s depend on are typically in your ability so you’re able to pay back the borrowed funds. A decreased personal debt-to-earnings (DTI) proportion Since savvier finance followers see, DTI actions your own monthly repeating financial obligation up against the disgusting monthly income.