No conforming limit. No ceiling.

A jumbo loan exceeds the conforming loan limits set annually by the FHFA — currently $806,500 in most U.S. counties (higher in certain high-cost areas). Because jumbo loans can't be sold to Fannie Mae or Freddie Mac, lenders hold them in portfolio, which means each lender sets its own guidelines around credit, reserves, and documentation.

We finance loan amounts up to $30 million. For properties above $5M, we work with a curated network of private lenders and portfolio banks that specialize in ultra-high-net-worth borrowers. Underwriting timelines may be slightly longer at these levels, but we manage the process end to end.

Most jumbo lenders want a minimum 700–720 FICO, with the best rates typically reserved for 740+ borrowers. Strong compensating factors — large reserves, low debt-to-income, substantial assets — can sometimes offset a slightly lower score on a case-by-case basis.

Down payment requirements vary by loan amount and lender. On loans up to $2M, some programs allow 10–15% down with strong credit. Above $2M, 20–30% is typical, and ultra-jumbo products ($5M+) often require 30–40% equity. We'll identify the lowest down payment available for your specific scenario.

Yes — jumbo lenders routinely require 6–24 months of PITI (principal, interest, taxes, insurance) in verified liquid or near-liquid assets after closing. The reserve requirement scales with loan size. Retirement accounts generally count at 60–70% of vested balance.

Not necessarily. Historically jumbo rates ran slightly higher, but today they're often at parity with — and sometimes below — conforming rates, depending on the lender and loan structure. We shop your file across our portfolio lender network to find the most competitive pricing.

Yes. Jumbo financing is available for primary residences, second homes, and non-owner-occupied investment properties. Guidelines and reserve requirements will be stricter for non-primary occupancy, and some programs cap investment property LTV at 65–70%.

Jumbo files receive full manual underwriting — every lender reviews them individually. Expect thorough documentation of income, assets, and employment, including two years of tax returns for most programs. We prep your file meticulously before submission to minimize conditions and back-and-forth.