A Bigger Home Loan. A Clear Financing Plan.
When your financing needs exceed conforming loan limits, a jumbo mortgage may provide the larger loan amount your next move requires.
Let’s build a plan around the home you want, your available assets, and your long-term goals.
What makes a mortgage “jumbo”?
A jumbo mortgage generally exceeds the applicable conforming loan limit for the property’s location and number of units. Those limits are updated annually.
It is the loan amount, rather than the purchase price alone, that determines whether jumbo financing is needed. We confirm the applicable limit before selecting a program.
Purchase a home
Explore larger financing for your primary residence or an eligible second home.
Refinance an existing loan
Rate-and-term and cash-out options may be available, depending on the property and selected program.
Finance an investment
Select options allow investment properties, with requirements specific to occupancy and loan purpose.
When does a Florida mortgage become jumbo?
Effective for calendar year 2026: January 1–December 31, 2026.
For a one-unit home, the jumbo threshold is a loan amount above $832,750 in 66 Florida counties. Monroe County (Florida Keys) has a higher threshold of $990,150.
Hillsborough, Pasco, Pinellas, and Hernando counties all use the standard Florida limits below.
| Property units | All Florida counties except Monroe | Monroe County |
|---|---|---|
| 1 unit | $832,751 and above | $990,151 and above |
| 2 units | $1,066,251 and above | $1,267,601 and above |
| 3 units | $1,288,801 and above | $1,532,201 and above |
| 4 units | $1,601,751 and above | $1,904,151 and above |
Source: FHFA’s official 2026 county loan-limit list, announced November 25, 2025. Verified October 7, 2026. These are loan amounts, not purchase prices. Jumbo means exceeding the applicable conforming limit; individual program minimums, property eligibility, and financing requirements may differ. Limits are reviewed annually.
Plan beyond the down payment.
Jumbo qualification considers documented income, existing debts, credit history, eligible assets, and the property. Down payment and reserve requirements vary by loan size and program.
Understand reserves before making an offer.
Reserves are eligible assets remaining after closing. They are separate from closing costs and the funds you contribute to the purchase. Larger loans or additional properties may require more reserves.
We’ll review your interest rate, monthly payment, closing costs, and remaining funds together so you understand how the loan fits your goals.
Choose terms that support your plans.
Fixed-rate financing
The interest rate remains fixed for the loan term. Taxes, insurance, and other housing costs can still change.
Adjustable-rate options
An initial fixed-rate period is followed by scheduled adjustments. We explain the adjustment rules and potential payment changes.
Specialized options
Select programs offer longer terms or an interest-only period. These features require careful consideration of total interest and future payments.
Interest-only payments do not reduce principal. Payments rise when principal repayment begins. A longer repayment term can increase total interest paid.
A complete file helps keep the process moving.
- Current income and employment records, such as paystubs and W-2s
- Tax returns and business financial records when required for self-employed income
- Complete bank, brokerage, and eligible retirement account statements
- Supporting records for significant deposits, transfers, or eligible gift funds
- Existing mortgage statements and details of other financed properties
- Purchase contract or refinance details, plus property and insurance information
The required periods and documents depend on your income and selected program. An appraisal is part of the property review; some scenarios require a second appraisal. I’ll provide a tailored checklist and secure upload instructions.
Jumbo financing, explained plainly.
Do I always need a large down payment?
Requirements vary. We review the loan amount, credit, occupancy, and reserves before confirming the funds needed.
Does jumbo automatically mean a higher interest rate?
No single rate relationship applies to every loan. Pricing depends on current market conditions and your scenario. We’ll explain the rate and costs available for your file.
Can a self-employed borrower qualify?
Potentially. The documentation path depends on the program. Tell me how you earn income so we can identify an appropriate review.
Will mortgage insurance be required?
Some jumbo options do not require mortgage insurance. We confirm that feature with the selected program and explain the complete payment.
How much can I borrow?
Available amounts depend on your qualifications, assets, property, and transaction. Published program maximums are not an individual approval.
Have a home or loan amount in mind?
Share your purchase or refinance goals. We’ll review the financing and funds needed before you commit.