What Is a Jumbo Loan?

A jumbo loan allows you to borrow more than the current conforming loan limits set by Fannie Mae and Freddie Mac. If your loan amount needs to exceed this, a jumbo loan is likely your best option.

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Why Work With Us for Your Jumbo Loan?

• Higher loan amounts up to $5 million

• Low down payment options, sometimes as little as 10% down

• Flexible guidelines – credit scores starting at 660, debt-to-income ratios up to 50%

• Competitive rates from over 25 top-tier lenders

• Multiple property types – primary, second home, or investment

• Fast closings, often in just 15 days for well-qualified borrowers

• Custom loan structures – fixed-rate, adjustable-rate, and interest-only options available

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What Makes Jumbo Loans Different?

Jumbo loans are underwritten with more care and scrutiny than standard loans, but that doesn’t mean they need to be difficult.

Some unique aspects of jumbo loans:

• You may need to show 6 to 24 months of liquid reserves

• Two appraisals could be required for high-value homes

• Documentation and income review are often more detailed

• You’ll want a lender who knows how to structure the file for a smooth approval

That’s where we come in.

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Who Typically Uses a Jumbo Loan?

• Homebuyers in high-cost areas or shopping for luxury properties

• Professionals and entrepreneurs looking to keep more cash invested

• Homeowners looking to refinance or tap equity from a high-value property

• Investors consolidating debt or growing a real estate portfolio

If you’re not sure whether you need a jumbo loan, we can run the numbers and guide you toward the best structure for your goals.

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Loan Program Highlights

We offer a variety of jumbo loan options including:

• 15- and 30-year fixed

• 5, 7, and 10-year ARMs with rate caps

• Interest-only payment options for qualified borrowers

• Loan structures with or without PMI depending on the down payment

No matter your scenario, we’ll match you with a lender that fits your credit, income, and long-term plans.

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Loans available in AZ, PA, FL, and TX. All programs subject to change and credit approval. Loan terms and guidelines may vary by lender and scenario.