Jumbo mortgages for homes beyond conventional limits
Pre-approval in days, not weeks — with a loan officer who knows your market.
Financing exceptional properties with specialized expertise
A jumbo mortgage is a loan that exceeds the conventional loan limits set by government-sponsored enterprises. If you're purchasing a high-value home or in a high-cost market, jumbo financing provides the capital you need. Jumbo loans typically require stronger credit profiles and larger down payments, but they offer flexibility in structuring terms that suit your situation. We work with borrowers who are purchasing vacation properties, investment homes, or primary residences in expensive markets. Because jumbo loans fall outside standard lending guidelines, underwriting is more customized. We evaluate your complete financial picture, including liquid assets, investment portfolios, and income stability. This thorough review allows us to offer competitive terms while managing risk appropriately. Our jumbo specialists understand the nuances of high-value real estate transactions and can guide you through a process that feels tailored to your circumstances, not constrained by one-size-fits-all rules.
Jumbo financing by the numbers
- Up to $3M+
- Loan amount options Financing for luxury properties and high-value purchases
- 20%+
- Typical down payment Varies based on credit profile and property type
- 48 Hours
- Average specialist review time Quick response to pre-qualification requests
Who Chooses Jumbo
Premium properties deserve premium service
Jumbo borrowers come from all walks of life. You might be relocating to a market where home values exceed conventional lending limits. You could be a business owner or professional with significant assets and variable income. Perhaps you're purchasing a second home in an exclusive community, or you've found an investment property that requires jumbo financing. Whatever your situation, we recognize that your financial profile is sophisticated and requires thoughtful analysis. Unlike automated underwriting systems that say yes or no based on rigid rules, our jumbo specialists take time to understand your complete picture. We look at your career trajectory, your investment strategy, your long-term goals. We ask questions and listen carefully. This approach has allowed us to work with accomplished people whose circumstances don't fit conventional boxes, helping them move forward with confidence. Your success matters to us because your success is the foundation of our success.
Common questions about jumbo mortgages
Jumbo financing involves different considerations than conventional mortgages. Here are answers to questions we hear frequently from borrowers exploring high-value home financing.
What makes a loan a jumbo mortgage?
A jumbo mortgage is any loan that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. These limits vary by county and are adjusted annually. In most areas, loans above $766,550 are considered jumbo, though limits are higher in some high-cost regions. Because jumbo loans can't be sold to these government-sponsored enterprises, lenders hold them in portfolio or sell them in the secondary market under different terms. This means jumbo underwriting and pricing operate differently than conventional lending.
What down payment do I need for a jumbo loan?
Down payment requirements for jumbo mortgages typically range from 20% to 30%, though this varies based on your credit score, liquid assets, debt-to-income ratio, and the property type. If you have substantial assets, excellent credit, and strong income documentation, some flexibility may be possible. We review your complete financial situation to determine what down payment works for your scenario.
How is jumbo underwriting different from conventional?
Jumbo loans undergo more detailed manual underwriting because they're not subject to the standardized guidelines of government-backed programs. Our underwriters examine your full financial profile including tax returns, bank statements, investment accounts, and employment history. We look at compensating factors like significant liquid assets or a long stable career. This thorough review takes more time but allows us to work with borrowers whose situations are more complex or nuanced than conventional guidelines allow.