Specialized portfolio lending for luxury properties. Five distinct jumbo programs designed for unique borrower profiles, from first-time buyers to experienced investors.
Jumbo loans, also known as non-conforming loans, are mortgages that exceed the conforming loan limits set by the Federal Housing Finance Agency (FHFA). These loans are designed for financing luxury properties and homes in highly competitive real estate markets.
$832,750 for most areas, $1,249,125 in high-cost markets
From $832,751 up to $3,000,000+
Not sold to Fannie Mae or Freddie Mac
Specialized financing for luxury properties and high-value homes.
Calculate Loan AmountConforming loan limits vary by area. Loans exceeding these limits require jumbo financing.
Any loan exceeding these limits in their respective areas requires jumbo financing.
Five specialized jumbo programs with varying DTI limits, reserve requirements, and property eligibility to match your unique situation.
Multiple program options with DTI ratios up to 49.99% and flexible underwriting guidelines for complex borrower profiles.
Programs accepting both DU and LP automated underwriting systems with varying reserve and seasoning requirements.
Specialized programs for unique properties including acreage up to 50 acres and non-permanent resident aliens.
Varying cash-out refinance rules from 6-month to 12-month seasoning requirements depending on program selection.
Streamlined underwriting process with dedicated jumbo loan specialists for faster closings.
Investment property eligibility varies by program, with some accepting business assets for reserves.
Multiple jumbo programs with varying qualification requirements. We will match you to the program that best fits your profile.
Most lenders require 720+ FICO score, some may accept 700+
Ranges from 45% to 49.99% depending on program selection
Varying late payment tolerances; some programs require 7-year BK waiting periods
Standard requirements; some programs cap first-time buyers at $1.5M
Minimum 6 months or not required below $2M depending on program
Some programs accept business assets; others restrict to liquid funds only
Get answers to common questions about jumbo loans
Let our specialists analyze your profile and recommend the best jumbo program from our five specialized options.
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