Financing for Luxury Properties
High-value home loans beyond conventional limits. Flexible terms, competitive rates from 6.00%, and tailored solutions for luxury real estate.
Why Choose a Jumbo Loan?
High Loan Amounts
Finance luxury homes above conventional loan limits
Up to $5M+Competitive Rates
Attractive rates starting from 6.00% for qualified borrowers
From 6.00%Multiple Properties
Finance primary homes, second homes, and investment properties
Flexible optionsLuxury Features
Tailored solutions for high-value and unique properties
Premium serviceUnderstanding Jumbo Loan Limits
Jumbo loans exceed the conforming loan limits set by Fannie Mae and Freddie Mac.
Conforming Limit
$766,550
Maximum for standard loans
High-Cost Areas
$1,149,825
Conforming limit in expensive markets
Jumbo Territory
$1.15M+
Above conforming limits
Super Jumbo
$5M+
Ultra-high-value properties
Qualification Requirements
Credit Score
Higher credit standards than conventional
Down Payment
Larger down payment typically required
Debt-to-Income
Stricter DTI requirements
Cash Reserves
Significant reserves required
Eligible Property Types
Luxury Primary Homes
High-end single-family residences
Second Homes
Vacation properties and getaways
Investment Properties
Rental properties and income-generating real estate
Multi-Unit Properties
2-4 unit properties above conforming limits
Required Documentation
Jumbo loans require thorough documentation to verify your financial strength.
Income Verification
- 2 years tax returns
- 2 years W-2s or 1099s
- Recent pay stubs
- Profit & loss statements (self-employed)
Assets & Reserves
- Bank statements (2-3 months)
- Investment account statements
- Retirement account statements
- Gift letter (if applicable)
Credit Documentation
- Credit report authorization
- Explanation letters for credit issues
- Bankruptcy/foreclosure papers (if applicable)
- Payment history documentation
Property Documents
- Purchase agreement
- Property appraisal
- Homeowners insurance
- Property tax records
Ready to Finance Your Luxury Home?
Our jumbo loan specialists are ready to help you secure financing for your dream property.