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You need a credit score of at least 600 to qualify for a jumbo loan. Debt-to-income ratio requirements vary depending on home value, but in many cases your DTI needs to be below 38% to qualify for a jumbo loan.

You’ll also need proof of a strong financial history. This means when you apply, you’ll need copies of your bank statements and investment accounts. You’ll also need to provide your full tax return from the most recent year and other income and tax documents like your 1099s and W2s.

Having a large amount of cash available may also improve your chances of qualifying for a jumbo loan.