Financing for Your High-Value Home

Secure financing that exceeds conventional limits. We offer competitive rates and flexible terms for luxury properties and homes in high-cost areas.

Apply now

What is Jumbo Loan?

A jumbo loan is a mortgage that exceeds the conforming loan limits set by the Federal Housing Finance Agency (FHFA). Since these loans are not eligible for purchase by government-sponsored enterprises like Fannie Mae or Freddie Mac, they are considered non-conforming and are funded by private or portfolio lenders.

Jumbo loans cater to high-income borrowers purchasing or refinancing luxury or high-value properties, where the loan amount is above the county conforming limits.

Why Offer Jumbo Loan?

Offering Jumbo loans allows loan officers and lenders to serve a broader range of clients, especially those in high-cost markets. These loans provide flexibility and higher borrowing power for qualified clients.

Key Benefits

Loan amounts above conforming limits (typically over $806,500)
Competitive interest rates for strong-credit borrowers
Available for primary, secondary, and investment properties
Fixed and adjustable-rate options
Allows portfolio diversification for lenders

Eligibility requirements:

Borrower

Strong credit history with consistent income documentation
Adequate reserves and low overall leverage
Stable employment or business income

Property Requirements:

High-value or luxury residential properties meeting appraisal standards
Located in approved markets or lending areas

Required Documentation:

F1003 Loan Application.
Two years of tax returns and W-2s
Recent pay stubs
Bank statements verifying assets and reserves
Appraisal and insurance documentation

How to apply for a Jumbo Loan

Apply now and get pre-approved today

STEP 1

Initial Consultation and Pre-Approval

We will analyze your complete financial profile—specifically focusing on your credit score, debt-to-income ratio, and liquid assets—to determine your eligibility for financing that exceeds conventional loan limits.
We will guide you through the pre-qualification or pre-approval process, which provides an estimate of the loan amount and terms you are likely to receive.

STEP 2

Gather Required Documentation

We will help you compile the comprehensive documentation package required for Jumbo underwriting, which is typically more rigorous than standard loans. These typically include:

Personal Identification: Valid government-issued ID (driver's license or passport) and Social Security card.
Proof of Income: Recent pay stubs (last 30 days) and W-2s (past two years). Crucially, most Jumbo investors require two years of full personal and business tax returns (1040s, 1120s, K-1s) with all schedules, especially for self-employed borrowers or those with complex income structures (RSUs, bonuses).
Asset Verification & Reserves: Bank and brokerage statements (past two months, all pages) to verify funds for the down payment (often 10-20%). Reserves are key: You must document 6 to 18 months of mortgage payments in liquid assets remaining after the down payment is made.
Property Details: Purchase agreement and contact info for the listing agent.
Real Estate Owned: If you own other properties, we will need current mortgage statements, insurance policies, property tax bills, and HOA statements for each.

STEP 3

Submitting the Application

We will check with multiple lenders and compare their offers to secure the best rates and terms available to you. We then will submit your complete application package to the most suitable lender.

Apply now and get pre-approvedApply now and get pre-approved today