Jumbo Loans
Financing for high-value properties that exceed conventional loan limits — with a personal touch most big lenders can't offer.
Down Payment
10–20%+
Credit Score Min
660+
Loan Starts At
$832,751+
Best For
High-value property purchases
Financing for high-value properties above conforming limits
A jumbo loan is a mortgage that exceeds the conforming loan limits established by Fannie Mae and Freddie Mac. For 2026, that limit is $832,750 for most Florida counties. Any loan above that amount is classified as a jumbo loan and follows a different approval process with stricter qualifying standards.
Because jumbo loans exceed the conforming limit, they can't be sold to Fannie Mae or Freddie Mac — which means the lender holds the full risk of the loan. As a result, lenders apply more rigorous standards: higher credit scores, larger down payments, and significant cash reserves after closing. These requirements exist because the stakes are higher on both sides.
Despite the stricter requirements, jumbo loans have become much more accessible in recent years, and rates have narrowed considerably compared to conforming loans. For buyers in Fleming Island or the greater Jacksonville area purchasing high-value properties, a jumbo loan is often the right — and only — option. Working with a local broker means you get a real relationship and personalized guidance through a process that benefits from experienced navigation.
Jumbo Loan at a glance
- For loan amounts above conforming limits ($832,750 in most areas)
- Typically requires 10–20% down payment
- Credit score of 660+ typically required
- Available for primary, second, and investment properties
- No PMI options available with sufficient equity
Who is it best for?
Jumbo loans are for buyers with strong financial profiles purchasing high-value homes. If the property you want exceeds $832,750, this is your path forward — and we'll guide you through the process with the same personal attention we bring to every client.
High-value property buyers
Anyone purchasing a home that requires a loan above the $832,750 conforming limit.
High-income earners
Buyers with strong credit profiles (660+) and verifiable high income.
Well-capitalized buyers
Those who can put 10–20%+ down and maintain significant cash reserves after closing.
Luxury and waterfront buyers
Purchasing high-end or waterfront properties in Fleming Island, Jacksonville, or surrounding areas.
Self-employed professionals
Business owners and professionals with verifiable high income who need above-conforming financing.
Move-up buyers
Homeowners upgrading to a significantly larger home whose next purchase exceeds conforming limits.
Key Benefits
High Loan Amounts
Finance properties well above conforming limits — there's no maximum jumbo loan amount, though lender guidelines vary.
Competitive Rates
Jumbo rates have narrowed significantly compared to conforming loans. Highly qualified borrowers often find surprisingly attractive rates.
Purchase High-Value Homes
The only path to purchasing luxury and high-value properties in markets where prices exceed conventional limits.
Requirements
Common questions
Comparing your options?
These loan products are commonly considered alongside jumbo financing.
Let's navigate your jumbo loan together.
Jumbo loans benefit from experienced guidance. Apply online and we'll review your full picture — or contact us to discuss your situation before you start.
NMLS #1898199 · Austin Williams NMLS #885656 · Equal Housing Opportunity