Jumbo Mortgage Rates & Loans
Last updated August 3, 2026
Competitive jumbo financing for luxury homes and high-value properties across Illinois, Texas, Florida, and Georgia. Loan amounts above $832,750 with flexible qualification, low down payment options, and fixed or adjustable terms.
Why Borrowers Choose Our Jumbo Loans
Jumbo financing shouldn't mean rigid requirements. We match your scenario to the right investor for the property, the market, and your financial profile.
Loan Amounts Above $832,750
Finance luxury homes, estates, and high-value properties with loan amounts from just above the conforming limit up to $5M+ on a case-by-case basis.
Low Down Payment Options
Qualified buyers can put down as little as 10% on a jumbo purchase, with select programs offering even more flexible structures.
Fixed, ARM & Interest-Only
Choose the structure that fits your plan: 30-year fixed, 15-year fixed, 7/1 or 10/1 ARMs, and interest-only options for liquidity management.
Asset-Rich Qualification
Asset depletion, bank-statement, and securities-based programs can help self-employed, retired, or high-net-worth borrowers qualify.
Primary, Second & Select Investment
Jumbo financing is available for owner-occupied primary residences, vacation homes, and select investment or portfolio properties.
Fast, Local Pre-Approval
Get a written pre-approval letter in 24–48 hours so you can compete in luxury markets across IL, TX, FL & GA.
Jumbo loan vs. conforming loan
| Feature | Jumbo Loan | Conforming Loan |
|---|---|---|
| Loan limit | Above $832,750 (2026 baseline) | Up to $832,750 |
| Down payment | Typically 10–20% | As low as 3% |
| Property types | Luxury homes, estates, condos, vacation homes | Standard single-family, condos, townhomes |
| Documentation | Full doc, asset-based, or bank-statement options | Standard W-2, tax return, or self-employed documentation |
| PMI | Not required with 20% down; options below 20% | Required when down payment is under 20% |
| Reserve requirements | Typically 6–12 months | Often 2 months |
Terms vary by lender and borrower profile. We'll price your exact scenario and compare it side-by-side.
Program at a Glance
Real numbers, not marketing fluff. Actual terms depend on credit, loan amount, and property type — we'll price your exact scenario in one call.
- Loan Amounts
- $832,750 up to $5M+
- Down Payment
- 10–20% typical
- Minimum FICO
- ~700+ (best pricing at 720+)
- Terms
- 30-yr fixed, 15-yr fixed, ARMs, interest-only
- Property Types
- Single-family, condo, townhome, estate, vacation home
- Occupancy
- Primary, second home, select investment
- Reserve Requirements
- Typically 6–12 months
- Mortgage Insurance
- Not required with 20% down
What You'll Provide
- Last 2 years of tax returns and W-2s or 1099s
- Recent pay stubs or bank statements (2–3 months)
- Proof of liquid reserves and asset statements
- Purchase contract or property information
- Photo ID and credit authorization
- Entity docs if closing in an LLC or trust
Self-employed or asset-rich? Ask about bank-statement, asset-depletion, and securities-based qualification options.
Jumbo Loan FAQs
Ready to finance your luxury home?
Get a real jumbo loan quote with actual rate, down payment, and payment — and a side-by-side comparison against a conforming loan.
Also see: all loan products · doctor loans · loan payment calculator
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