Financing above conforming limits.
High-balance loans up to $3.5M for higher-end properties.
Jumbo.
A jumbo loan finances a property above the conforming loan limit. For higher-end properties, jumbo is often the only option. Underwriting is tighter and the programs are fewer, which is exactly why you want a seasoned LO on your side. We've closed jumbos up to $3.5M with competitive rates, flexible ARMs, and unlimited cash-out scenarios.
- ✓Buyers of higher-end primary or second homes
- ✓Borrowers with complex income structures
- ✓High-net-worth buyers who want an ARM for lower initial payments
- ✓Investors financing luxury rental properties
Questions we get about jumbo.
What qualifies as a jumbo loan?
Any loan amount above the conforming limit for the county. We'll confirm the exact threshold at pre-approval.
Are jumbo rates higher than conventional?
Not always. For high-credit, high-reserve borrowers, jumbo rates can be competitive with or lower than conforming. We shop multiple jumbo investors to find the right structure.
Can I get a jumbo loan with less than 20% down?
Yes, we have programs that go to 90% LTV (10% down), including some with no PMI.