Jumbo
Above the conforming limit, the lender you choose matters more than ever.
Jumbo loans finance amounts above the conforming loan limit set for your county each year. Because they aren't sold to Fannie or Freddie, every lender sets its own rules on credit, reserves, and down payment — and pricing varies widely.
That variance is where a broker earns their keep. We compare jumbo pricing across bank and non-bank lenders and structure around your assets, not just your paystub.
Three steps, start to keys.
Structure
We look at income, assets, and reserves to design the loan that prices best.
Compete
Your file goes to the two or three lenders best suited to it — not one.
Close
Jumbo underwriting is thorough; we manage the conditions so you don't have to.
How much down do I need?
Often 10–20%, depending on loan size and credit. Larger balances usually require more.
Are jumbo rates higher?
Not always — in some markets jumbo pricing is at or below conforming. It depends on the lender, which is why we shop it.
Can I use asset-based income?
Yes, several of our jumbo lenders qualify on assets or bank statements.