Jumbo loans above the conforming limit demand a lender who understands complex income, large-balance underwriting, and the South Florida luxury market. That's what we do.
Jumbo loans — any loan above the conforming limit, currently $806,500 in most Florida markets — are not backed by Fannie Mae or Freddie Mac. Each lender sets their own guidelines, and those guidelines vary significantly.
That's where a broker's access to 25+ wholesale lenders becomes critical. The right lender for a $1.2M conventional jumbo purchase is different from the right lender for a $2.5M bank statement jumbo or a $4M asset depletion deal. We know which lender fits which borrower.
Alex personally manages every jumbo file. Given the transaction size, you work directly with him — not a processor, not a junior associate. Direct line, direct answers, direct accountability.
We calculate qualifying income across all sources — W-2, RSU, bonus, business income, investment income, asset depletion. Jumbo lenders have more flexibility on income types than conventional.
We identify the 2–3 wholesale jumbo lenders whose guidelines best fit your income type, property, and loan amount. Then we present scenarios side by side.
Jumbo pre-approval letters carry weight in luxury markets. Sellers and listing agents expect to see a committed lender behind the offer.
Jumbo underwriting is more intensive. Alex manages the process proactively — anticipating conditions, responding fast, preventing delays.
In competitive luxury markets, timeline matters. We set realistic expectations and meet them — including rush closings when needed.
We know the South Florida luxury market — the neighborhoods, the condo towers, the HOA structures, and the lenders who work them.
High-rise condos, new construction, and urban luxury — with non-warrantable condo financing where needed.
Barrier island purchases with ocean and bay views. Condo and single-family jumbo programs.
Historic estates, luxury single-family, and teardown-rebuild transactions in the Gables market.
Waterfront and interior luxury. Unique property types handled with lenders who understand the market.
Island community financing with specialized condo association and association document review.
Large-lot single-family and estate purchases. Jumbo purchase and cash-out refinance.
Program guidelines vary by lender. All loans subject to underwriting and lender approval. Not a commitment to lend.
Alex reviews every file personally. Schedule a call and get direct answers.
Jumbo transactions require precision. Tell us about the property and your income picture — Alex will tell you exactly which program and lender fit your deal.