Jumbo Loans
Finance luxury and high-value properties that exceed conventional loan limits.
What is a Jumbo Loan?
A jumbo loan is a mortgage that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. In most Florida counties, the 2024 conforming limit is $766,550 for a single-family home. Any loan above that threshold is considered a jumbo loan.
Jumbo loans are used to finance luxury homes, waterfront properties, and high-value real estate throughout Tampa Bay and Florida. Because they can't be sold to Fannie Mae or Freddie Mac, lenders hold them in their own portfolios and typically require stronger financial qualifications.
Key Benefits
- Finance properties above conventional loan limits
- Competitive rates for well-qualified borrowers
- Fixed and adjustable rate options available
- Ideal for luxury homes and waterfront properties
- Personalized service for complex transactions
Who Qualifies for a Jumbo Loan?
Jumbo loans typically require a credit score of 700 or higher, a debt-to-income ratio below 45%, and significant cash reserves. Down payment requirements vary but generally start at 10–20%.
Our team has extensive experience with jumbo transactions and can guide you through the documentation requirements and underwriting process to get your loan closed smoothly.
Related Reading
Tampa Bay Housing Market 2026: What Buyers Should Know
Current inventory, pricing trends, and negotiating leverage for Tampa Bay buyers — including the luxury segment.
Read moreMortgage Rates in 2026: What Tampa Homebuyers Need to Know
How today's rate environment affects jumbo loan pricing and the buy-vs-wait decision.
Read moreHow to Get Pre-Approved for a Mortgage Quickly: 5 Steps to Be Ready
What jumbo borrowers should have ready before making an offer on a high-value property.
Read moreFinance Your High-Value Property
Get pre-approved and let us find the best jumbo rate for your situation.