Loan Program
Jumbo Loan
When the loan amount exceeds conforming limits, underwriting shifts from automated guidelines to a closer look at your full financial picture.
Key highlights
- Loan amounts above county conforming limits
- Fixed and adjustable structures for high-value properties
- Asset-based and self-employed documentation options
- Careful reserve planning to protect your approval
What underwriters focus on
Reserves, income stability and property type carry more weight in jumbo lending. Presentation matters: a well-organized file with clearly documented income moves faster and prices better.
Self-employed and business-owner buyers
If your income comes from a business, there are documentation paths beyond two years of tax returns. We identify the right one before the file goes to underwriting.
Frequently asked questions
How much down payment does a jumbo loan require?
It varies by lender and loan size. Many programs start around 10 to 20 percent for well-qualified buyers.
Can I get a jumbo loan as a self-employed borrower?
Yes. Bank statement and asset-depletion style programs exist for exactly this profile.
Your Next Step
Your home is one conversation away.
Call, text, or send your details. Samia personally reviews every situation and guides you through each step of the process.
(561) 827-4700