Jumbo Loans
Jumbo Loans
Jumbo loans are mortgage loans that exceed the conforming loan limits set by Fannie Mae and Freddie Mac — currently $766,550 for most Florida counties. Because they cannot be sold to the GSEs, jumbo loans are held by private lenders and require stronger credit, larger down payments, and more documentation. For buyers of luxury homes, waterfront properties, and high-value real estate in South Florida, a jumbo loan is often the only path to financing.
Program Highlights
Loan Amounts Above $766,550
Finance luxury and high-value properties that exceed conforming loan limits in Florida.
Competitive Jumbo Rates
Jumbo rates are often comparable to — or even lower than — conforming rates for well-qualified borrowers.
Primary, Second & Investment
Available for primary residences, vacation homes, and investment properties.
Fixed & Adjustable Options
Choose a stable fixed rate or an ARM with a lower initial rate — 5/1, 7/1, and 10/1 options available.
Interest-Only Available
Select programs offer interest-only payment periods to maximize cash flow flexibility.
Up to $3M+ Loan Amounts
Super jumbo programs available for ultra-high-value properties with strong borrower profiles.
Ideal For
Luxury Home Purchases
Finance high-end primary residences in Jupiter, Palm Beach, and surrounding areas.
Waterfront Properties
Jumbo financing for Florida waterfront and intracoastal properties that exceed conforming limits.
Second Homes & Estates
Purchase a vacation home or estate property with flexible jumbo terms.
High-Net-Worth Borrowers
Tailored solutions for borrowers with complex income, significant assets, and strong credit profiles.
General Requirements
- Minimum credit score of 700 (720+ for best rates)
- Debt-to-income ratio typically below 43%
- Down payment of 10%–20% depending on loan amount
- Substantial cash reserves (6–12 months PITI)
- Full income and asset documentation required
- Property appraisal — often two appraisals for high-value homes
Finance Your Dream Home
Ready to purchase a luxury or high-value property in South Florida? Our jumbo loan specialists are here to help you structure the right financing.
Ready to Get Started?
Let our family help yours. Call us at 561-207-8082 or apply online today.