High-value transactions
handled with precision.
Jumbo loans above the applicable conforming limit demand a lender who understands complex income, large-balance underwriting, and the South Florida luxury market.
Sophisticated buyers who expect a lender at their level.
Larger loan. Higher stakes.
Same precision.
A jumbo loan generally exceeds the applicable conforming loan limit for the property's county and number of units. The 2026 baseline one-unit limit is $832,750, with higher limits in designated high-cost areas, up to the national one-unit ceiling of $1,249,125. Jumbo loans are not backed by Fannie Mae or Freddie Mac, so each lender sets its own guidelines, and those guidelines vary significantly.
That's where a broker's access to 25+ wholesale lenders becomes valuable. The right lender for a conventional jumbo purchase can differ from the right lender for a bank statement jumbo or an asset depletion jumbo deal, depending on the borrower's income type and the property.
Alex personally manages jumbo files. Given the transaction size, you work directly with him rather than only a processor or junior associate.
Full income picture
We review qualifying income across sources — W-2, RSU, bonus, business income, investment income, asset depletion. Jumbo lenders may have more flexibility on income types than conventional, subject to program.
Lender matching
We identify wholesale jumbo lenders whose guidelines may fit your income type, property, and loan amount, then present potential scenarios for comparison.
Pre-approval letter
Jumbo pre-approval letters carry weight in luxury markets. Sellers and listing agents generally expect to see a credible lender behind the offer.
Underwriting management
Jumbo underwriting is generally more intensive. Alex manages the process proactively — anticipating conditions and responding promptly.
Closing coordination
In competitive luxury markets, timeline matters. We set realistic expectations based on the specific file, lender, and property.
Where we close.
We know the South Florida luxury market — the neighborhoods, the condo towers, the HOA structures, and the lenders who work them.
Brickell
High-rise condos, new construction, and urban luxury — with non-warrantable condo financing where needed.
Miami Beach & South Beach
Barrier island purchases with ocean and bay views. Condo and single-family jumbo programs.
Coral Gables
Historic estates, luxury single-family, and teardown-rebuild transactions in the Gables market.
Coconut Grove
Waterfront and interior luxury. Unique property types handled with lenders who understand the market.
Key Biscayne & Fisher Island
Island community financing with specialized condo association and association document review.
Pinecrest & South Miami
Large-lot single-family and estate purchases. Jumbo purchase and cash-out refinance.
Program DetailsWhat to expect.
Loan Amounts
- Loan amounts vary by lender, program, and eligible county conforming limit
- Non-QM jumbo for complex income
Down Payment
- Down payment requirements vary by lender, program, and income documentation type
- Asset depletion jumbo down payment varies by lender
Income Types Accepted
- W-2 + bonus + RSU (combined)
- Bank statement (self-employed jumbo)
- Asset depletion (HNW jumbo)
- DSCR (investment property jumbo)
Credit Requirements
- Minimum credit score and reserve requirements vary by lender, loan size, and program
- Higher credit generally supports better rates and terms
Property Types
- Primary residence and second home
- Warrantable and non-warrantable condos
- Single-family, townhome, PUD
Loan Terms
- 30-year fixed and ARM options
- Interest-only programs available
- Purchase, rate/term refi, cash-out refi
Program guidelines vary by lender. All loans subject to underwriting and lender approval. Not a commitment to lend.
Frequently Asked Questions
Have questions about this program?
Alex reviews every file personally. Schedule a call and get direct answers.
The property deserves
a lender at that level.
Jumbo transactions require precision. Tell us about the property and your income picture — Alex will evaluate which program and lender may fit your deal.