Jumbo Loans

When your dream home costs more than the conforming loan limit — and in much of coastal Florida, that's a lot of homes — a jumbo loan is the financing that gets you there. Jumbo loans exceed the maximums set by Fannie Mae and Freddie Mac, which means they don't meet the criteria to be sold to those agencies and are held by the lender or private investor instead.

Because the lender carries more risk on a larger balance, jumbo underwriting tends to be stricter: higher credit scores, larger down payments, more cash reserves, and a closer look at your full financial picture. But the upside is real. You can finance luxury condos on the water, custom estates, and high-value properties that a conventional loan simply can't cover — often with rates that are surprisingly competitive.

We specialize in the financial profiles that jumbo borrowers actually have — business owners with complex income, retirees living off assets, professionals with stock compensation, and investors managing multiple properties. Our wholesale relationships give us access to jumbo programs that fit real-world wealth rather than a one-size W-2 template.

Who This Loan Is For

• Buyers of luxury condos, waterfront homes, and high-value estates
• Borrowers financing above conforming loan limits in Florida
• Business owners and professionals with complex income
• Retirees living off assets rather than W-2 income
• Anyone purchasing a property a conventional loan can't cover

Basic Requirements

• 1Loan amount above the conforming limit (varies by county)
• 2Strong credit score (typically 700+)
• 3Down payment of 10-20% depending on the program
• 4Substantial cash reserves (often 6-12 months of payments)
• 5Documented income and assets to support the larger balance