Jumbo Loans
Above Conforming Limits. Maximum Flexibility.
Jumbo loans finance properties above the 2026 conforming loan limit of $806,500. As a broker, we access portfolio lenders and private investors with jumbo programs that offer significantly more flexibility than what retail banks advertise.
2026 Program Requirements
Key Benefits
- Loan amounts up to $3M+ with select lenders
- As low as 10% down on some programs
- Interest-only payment options available
- Asset depletion income qualifying
- Available for primary, second home, and investment
- Competitive rates — often within 0.25% of conforming
- Faster closings vs. retail bank jumbo programs
- Portfolio lender flexibility on unique properties
The Process
Scenario Analysis
Jumbo loans require careful lender matching. We analyze your income, assets, and property to identify the best lender.
Pre-Approval
Jumbo pre-approvals require more documentation upfront. We collect everything needed to issue a credible approval.
Appraisal
Jumbo appraisals often require two appraisals or a desk review. We coordinate this process.
Underwriting
Jumbo underwriting is manual — we build your file to tell a compelling story.
Close
30-45 day close typical for jumbo transactions.
Frequently Asked Questions
Do jumbo rates always cost more?
Not necessarily. In some market conditions, jumbo rates are within 0.125-0.25% of conforming rates. As a broker, we shop multiple jumbo lenders to find the most competitive pricing.
Can I get a jumbo loan with a bank statement?
Yes — we offer bank statement jumbo programs for self-employed borrowers who cannot document income through traditional tax returns.
Ready to Get Started?
Daryl will review your scenario and provide a detailed breakdown of your options — at no cost or obligation.