Financing above the conforming loan limit for luxury and high-cost properties across Georgia and Florida, with options tailored to strong borrowers.
A jumbo loan is any mortgage that exceeds the annual conforming loan limit set by the FHFA. They are used for higher-priced homes and, because the loan amount is larger, lenders look more closely at credit, reserves, and income.
As a broker, we have access to a range of jumbo investors, which means more flexibility on guidelines and pricing than a single bank can offer.
Jumbo guidelines vary more between lenders than any other loan type, which is exactly where a broker earns their keep. Down payment, reserve, and documentation requirements differ from investor to investor. We match your profile to the program that treats it most favorably.
Any loan amount above the conforming limit for the county, which the FHFA updates annually. Above that line, it is a jumbo loan with its own guidelines.
It varies by lender and by your overall profile. We have options across a range of down payments and will find the one that fits your goals.
Yes. We have full-doc and alternative-documentation jumbo options, including bank statement programs, for self-employed buyers.
Jumbo loans start where the conforming limit ends and can run well into the millions depending on the lender and your qualifications. Because we are a broker, we compare jumbo programs across many lenders to find the loan size and terms that fit your purchase.
Not always. Jumbo pricing depends on the lender, your credit, and your down payment, and in some markets jumbo rates are very competitive with conforming loans. We shop your file so you are not stuck with a single bank’s pricing.
Yes. Jumbo financing is available for primary homes, second homes, and in many cases investment properties, each with its own guidelines. Tell us the property and your goal and we will match you with the right jumbo program.
Jumbo guidelines vary more between lenders than any other loan. We will match your profile to the program that treats it most favorably.
