Jumbo Loans
Financing for luxury properties and loan amounts that exceed conventional conforming limits. Flexible qualification for high‑net‑worth borrowers.
Jumbo Loan Guidelines
Loan Parameters
- Min Loan Amount$766,550
- Max Loan AmountUp to $3,000,000+
- Loan Terms15, 20, 30 year fixed / ARM
- ARM Options5/1, 7/1, 10/1
- Max LTV (Purchase)90% (may be lower for investment)
- Cash-Out LTV80%
Borrower Requirements
- Min Credit Score700
- Down Payment10% – 20%
- Debt-to-Income RatioUp to 45%
- Reserves Required6–12 months PITIA
- Employment History2+ years
Property Requirements
- Property TypesSFR, Condo, Luxury Estates
- OccupancyPrimary, Second Home, Investment
- Appraisal RequiredYes (2 appraisals may be required)
- Property ValueTypically $1M+
Why Choose a Jumbo Loan?
Higher Loan Limits
Finance luxury properties above conforming limits.
Luxury Properties
Specialized financing for high‑value homes.
Competitive Jumbo Rates
Often comparable to conforming loan rates.
Flexible Qualification
Asset depletion and bank statement options available.