Increased Conforming G-Fee, Higher Jumbo Credit Standard, and Risk-Based Pricing Historically large-balance mortgage loans, known as ‘jumbo’ loans, had a higher interest rate than conforming loans.[1] However, since mid-2013 a jumbo loan has been cheaper to borrow than a conforming mortgage loan, by an average of 33 basis points during the first quarter of 2018.[2] Figure … Continue reading Why Are Jumbo Loans Cheaper than Conforming Loans?