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  • Luxury Property Financing

Jumbo Loans

For Luxury Properties

Specialized portfolio lending for luxury properties. Five distinct jumbo programs designed for unique borrower profiles, from first-time buyers to experienced investors.

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  • Up to $3M+
  • Portfolio Lending
  • Flexible Programs
Jumbo Loan Calculator

Specialized financing for luxury properties and high-value homes

What Are Jumbo Loans?

Jumbo loans, also known as non-conforming loans, are mortgages that exceed the conforming loan limits set by the Federal Housing Finance Agency (FHFA). These loans are designed for financing luxury properties and homes in highly competitive real estate markets.

2026 Conforming Loan Limit

$832,750 for most areas, $1,249,125 in high-cost markets

Jumbo Loan Range

From $832,751 up to $3,000,000+

Portfolio Lending

Not sold to Fannie Mae or Freddie Mac

2026 Loan Limits by County

Conforming loan limits vary by county. Loans exceeding these limits require jumbo financing.

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Massachusetts Counties
Suffolk County
$1,249,125
Middlesex County
$1,249,125
Essex County
$1,249,125
Norfolk County
$1,249,125
Worcester County
$832,750
High-Cost Areas
San Francisco, CA
$1,249,125
New York, NY
$1,249,125
Los Angeles, CA
$1,249,125
Washington, DC
$1,249,125
Seattle, WA
$1,249,125
Jumbo Loan Thresholds
Standard Areas
$832,751+
High-Cost Areas
$1,249,126+
Any loan exceeding these limits in their respective areas requires jumbo financing.

Jumbo Loan Benefits & Features

Five specialized jumbo programs with varying DTI limits, reserve requirements, and property eligibility to match your unique situation.

Competitive Rates
Multiple program options with DTI ratios up to 49.99% and flexible underwriting guidelines for complex borrower profiles.
Flexible Terms
Programs accepting both DU and LP automated underwriting systems with varying reserve and seasoning requirements.
High Loan Amounts
Specialized programs for unique properties including acreage up to 50 acres and non-permanent resident aliens.
Cash-Out Refinance
Varying cash-out refinance rules from 6-month to 12-month seasoning requirements depending on program selection.
Fast Processing
Streamlined underwriting process with dedicated jumbo loan specialists for faster closings.
Multiple Property Types
Investment property eligibility varies by program, with some accepting business assets for reserves and others restricting hobby farms.

Jumbo Loan Qualification Requirements

Multiple jumbo programs with varying qualification requirements. We’ll match you to the program that best fits your profile.

Credit Requirements

Minimum Credit Score

Most lenders require 720+ FICO score, some may accept 700+

Debt-to-Income Ratio

Ranges from 45% to 49.99% depending on program selection

Credit History Requirements

Varying late payment tolerances; some programs require 7-year BK waiting periods

Down Payment & Reserves

Down Payment & FTHB Limits

Standard requirements; some programs cap first-time buyers at $1.5M

Reserve Requirements

Minimum 6 months or not required below $2M depending on program

Business Assets for Reserves

Some programs accept business assets; others restrict to liquid funds only

Which Jumbo Program Fits You?

Multiple jumbo programs with varying qualification requirements. We’ll match you to the program that best fits your profile.

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Success Stories

Keith was amazing through the entire process and kept me in the loop on everything. His team listened to my needs and worked hard to get me an early closing. I would highly recommend Keith and his team without reservation — always cheerful, always a people person.
Barbara Cochran
Barbara CochranHomeowner
Highly recommend working with Colin Cooper and his team, especially Courtney Foote. Colin was incredibly helpful throughout both the buying and selling of our home, explained each step clearly, and made sure we were always ahead of the process. We truly felt supported every step of the way.
Jennifer Ryan
Jennifer RyanHomeowner
Dustin & Rebecca were both the best! Communication was easy and they are always responsive. Helped me utilize my VA benefits efficiently to close on my first home as an investment opportunity. Cannot be more thankful and would recommend to any family or friends who needs a loan officer.
Chimua Lor
Chimua LorHomeowner

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