Home / Loan Programs / Jumbo Loans
Big home, smart jumbo financing.
When your dream home exceeds conventional loan limits, jumbo financing bridges the gap — with structures that keep jumbo rates surprisingly close to standard ones.
What a jumbo loan entails
Jumbo loans cover amounts above the conforming limit (currently $806,500 in most counties, higher in high-cost areas). Because investors — not government agencies — back these loans, guidelines vary, and presentation matters enormously.
That's where we earn our fee: we package reserves, document income cleanly (including RSUs, bonuses and self-employment income), and match you with the jumbo investor whose niche fits your profile — salaried, equity-compensated, or business-owner.
10% down options
No private mortgage insurance with 10% down up to $2M for strong credit profiles.
Asset qualification
Qualify on liquid assets alone when income is complex or lumpy.
Fixed & ARM choices
30-year fixed certainty or 7/6 and 10/6 ARMs with lower starting rates.
Second homes
Jumbo structures for vacation properties and investment-adjacent purchases.
Typical jumbo profile
- — Credit 700+ (best pricing at 740+)
- — 6–12 months of reserves documented
- — Debt-to-income up to 45% with compensating factors
How jumbo approval works
01
Financial mapping
We review income, assets and reserves to pick the right investor first.
02
Pre-approval with weight
Fully underwritten pre-approval that sellers treat like cash.
03
Appraisal strategy
High-value appraisals managed tightly to protect your timeline.
04
Close in ~25 days
Dedicated processing keeps complex files moving without stalls.
Not always. With strong credit and 20% down, jumbo rates often sit within 0.25% of conventional rates. ARMs can price even lower for the first 7–10 years.
Yes — several investors allow 10% down with no mortgage insurance up to $2M, and 15% down up to $2.5M, for well-qualified borrowers.
Frequently yes. Bank-statement and asset-qualification jumbo programs exist for business owners who write off significant income. Bring 12–24 months of statements and we'll map the options.