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Jumbo mortgage. A jumbo mortgage is one that exceeds loan limits set by the FHA. In most markets, a jumbo loan is one that exceeds roughly 400,000. However, in expensive markets like New York City and San Francisco, the limits are higher; in these markets, a jumbo loan is one that exceeds roughly 600,000. Jumbo loans usually require higher down-payments and excellent credit. How to find the owner of a vacant property. Research the property's tax and mortgage records.