The 2026 conforming loan limit moved to $832,750 in most Louisiana parishes. Above that line, you are in jumbo territory — and jumbo lending is a different game.
For Garden District, Lakeview, and Old Metairie buyers, this matters more than it sounds. A $900K purchase with 10% down lands a $810K loan that fits inside conforming. The same buyer at $1.1M is firmly jumbo, with materially different reserve, DTI, and pricing rules.
The takeaway: do not assume the loan officer at your bank knows where your file actually fits. A broker network shops both worlds — and the right answer is often the program you didn't expect.
Jacob Porche · NMLS# 2644529