LUXURY PROPERTIES

Jumbo Loans for Exceptional Properties

Financing for high-value homes that exceed conventional loan limits. Competitive rates, flexible terms, and personalized service for discerning buyers purchasing luxury real estate.

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No Loan Limits

Finance properties above $766,550 with loan amounts into the millions

Competitive Rates

Rates often comparable to or better than conventional loans

Flexible Options

Fixed, ARM, interest-only, and custom loan structures available

PREMIUM FINANCING

Financing That Matches Your Lifestyle

Whether you're purchasing a waterfront estate, a penthouse in the city, or a sprawling ranch, our jumbo loan solutions are tailored to meet the unique demands of luxury real estate.

Dedicated Relationship Manager

Work with a single point of contact who understands your financial goals

Flexible Documentation

We understand high-net-worth income can be complex—we work with your situation

Fast Close Times

Competitive in hot markets with streamlined approvals in 30-45 days

Luxury home exterior Modern luxury interior Luxury kitchen Waterfront property
Understanding Jumbo

What Is a Jumbo Loan?

A jumbo loan is a mortgage that exceeds the conforming loan limits set by the Federal Housing Finance Agency (FHFA). For 2024, that limit is $766,550 in most areas, though high-cost regions can have limits up to $1,149,825.

Because these loans can't be purchased by Fannie Mae or Freddie Mac, they're considered riskier for lenders. However, for qualified borrowers with strong credit and significant assets, jumbo loans offer competitive rates and the ability to finance luxury properties.

2024 Conforming Loan Limits

Standard Areas:

$766,550

Loans above this are jumbo

High-Cost Areas:

$1,149,825

Maximum in expensive markets

Key Advantages

Why Choose a Jumbo Loan?

Finance Your Dream Home

Purchase the luxury property you want without artificial loan limits constraining your budget.

Competitive Interest Rates

Despite being non-conforming, jumbo rates are often competitive with conventional loans.

Flexible Loan Structures

Choose from fixed-rate, ARM, interest-only, or custom terms that fit your financial strategy.

No PMI Required

With 20% down or more, you won't pay private mortgage insurance, saving hundreds monthly.

Investment Properties

Use jumbo loans for investment properties, vacation homes, and multi-property portfolios.

Portfolio Lending Options

Access portfolio lending for unique situations conventional lenders can't accommodate.

Loan Structures

Jumbo Loan Options

Flexible financing solutions tailored to your needs

Fixed-Rate Jumbo

POPULAR

Lock in your rate for the life of the loan. Perfect for those who value payment certainty and plan to own long-term.

  • 15, 20, or 30-year terms
  • Predictable payments
  • Build equity steadily

Adjustable-Rate (ARM)

LOWER START

Lower initial rates with adjustment periods. Ideal for buyers who plan to refinance or sell within 5-10 years.

  • 5/1, 7/1, 10/1 ARM options
  • Lower initial rate and payment
  • Rate caps for protection

Interest-Only

FLEXIBLE

Pay only interest for 5-10 years, then convert to full amortization. Maximizes cash flow flexibility.

  • Lowest initial payment
  • Maximum cash flow
  • Great for investments
Qualifications

Jumbo Loan Requirements

Higher standards for larger loans

Credit & Income

  • Credit score typically 700+ (720+ for best rates)
  • Debt-to-income ratio of 43% or lower
  • Strong, documented income history
  • Two years of tax returns
  • Employment verification

Assets & Down Payment

  • Minimum 10-20% down payment (varies by lender)
  • Significant cash reserves (6-12 months)
  • Complete asset documentation required
  • Investment accounts, retirement funds, etc.
  • Liquid assets beyond down payment and closing

Why Higher Requirements?

Jumbo loans carry more risk for lenders since they can't be sold to Fannie Mae or Freddie Mac. Stricter requirements ensure borrowers can handle larger loan amounts and protect both parties. The good news? If you qualify, you'll often get excellent rates due to your strong financial profile.

700+

Minimum Credit Score

20%

Typical Down Payment

43%

Maximum DTI Ratio

Quick Estimate

Calculate Your Jumbo Loan Payment

See what your monthly payment would be for a luxury property

$2B+

In Jumbo Loans Funded

500+

Luxury Homes Financed

4.9★

Average Client Rating

35 Days

Average Close Time

Common Questions

Jumbo Loan FAQ

Are jumbo loan rates higher than conventional rates?

Not necessarily! Due to the strong financial profiles of jumbo borrowers, rates are often competitive with or even lower than conventional loans. Your specific rate depends on credit score, down payment, reserves, and market conditions.

Can I use a jumbo loan for a second home or investment property?

Yes! Jumbo loans are available for primary residences, second homes, and investment properties. Requirements may be stricter for non-primary residences, often requiring larger down payments and higher reserves.

How much cash reserves do I need for a jumbo loan?

Most lenders require 6-12 months of PITI (principal, interest, taxes, insurance) in liquid reserves after closing. For investment properties or multiple properties, requirements may be higher. This ensures you can weather financial changes.

Can I put down less than 20% on a jumbo loan?

Some lenders offer jumbo loans with as little as 10% down, though you'll typically pay a higher interest rate and may require mortgage insurance. A 20% down payment usually gets you the best rate and terms with no PMI.

What's the difference between a jumbo loan and a super jumbo loan?

Super jumbo loans typically refer to mortgages over $2-3 million. They have even stricter requirements, including larger down payments (often 30%+), higher credit scores (740+), and more extensive reserves (12+ months). We specialize in both.

How long does it take to close on a jumbo loan?

Jumbo loans typically take 30-45 days to close, similar to conventional loans. The process involves more documentation and stricter underwriting, but our experienced team makes it as smooth as possible for high-net-worth borrowers.

Still have questions?

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Client Stories

What Our Clients Say

JH

Jenny H.

They very professional, attentive, always responding to emails and text messages in a quick manner, and very helpful throughout the process. She made the whole process as seamless as possible and most importantly we had a clear to closing in less than a month. I would highly recommend them to your family and friends!!!

TK

Trevor K.

"They are tremendous to work with and true assets for their clients. They always put the people they are helping first and always do whatever they can to help! Great mortgage brokers, even better people!"

JA

Jennifer A.

They great to work with. We’ve been working for several months together and she was so patient and prompt with the home buying process. Thanks to her great team we where able to close within the month of our offer which in today’s market it’s not as common. Thank you!!!

Ready to Finance Your Luxury Property?

With competitive rates, flexible terms, and white-glove service, we make jumbo financing seamless for discerning buyers. Let's discuss your unique situation.

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