When Standard Limits Can't Contain Your Vision
Jumbo loans provide financing above the FHFA conforming loan limits, which vary by county. In most of Connecticut, the limit is $832,750, but certain high‑cost markets across the U.S. allow loans up to $1,249,125 while still remaining conforming. A mortgage only becomes a true jumbo loan when it exceeds the local conforming limit — meaning it falls outside Fannie Mae and Freddie Mac’s eligibility and must be funded through non‑agency or portfolio lending channels.
Available Programs
Loan Terms
- 15-Year
- 20-Year
- 25-Year
- 30-Year
- Interest-Only Options
Rate Type Options
- Fixed Rate
- Adjustable Rate (ARM)
- Hybrid ARM (5/1, 7/1, 10/1)
Specialized Programs
- Portfolio Jumbo Loans
- Foreign National Programs
- Bank Statement Qualification
- Asset-Based Underwriting
- Professional Loan Programs
- Interest-Only Jumbo Products
Refinance
- Cash-Out Refinancing
- Rate-and-Term Refinancing
- Portfolio Consolidation
- Investment Property Refinancing
Why Jumbo Loans Access Premium Markets
A jumbo loan isn’t simply a larger mortgage, it’s a specialized financing tool designed for properties and borrowers that sit outside traditional agency guidelines. These programs support luxury homes, high‑value primary residences, investment properties, and unique real estate assets that require more flexible underwriting. Because jumbo loans are funded by banks, credit unions, and private investors rather than Fannie/Freddie, they often include custom structures such as interest‑only options, asset‑based qualification, or expanded debt‑to‑income allowances.
Basic Qualifications Framework
Credit Requirements
- Minimum 700 credit score for most programs
- 720+ for optimal rates and terms
- Strong credit depth and payment history required
Down Payment Requirements
- 10-20% minimum for primary residences
- 15-25% for second homes
- 20-30% for investment properties
- Higher down payments often improve pricing
Income & Employment
- Strong debt-to-income ratios (typically under 43%)
- Extensive income documentation required
- Multiple income sources welcomed
- Self-employed borrowers require comprehensive documentation
Property Eligibility
- Primary residence, second home, investment property
- Single-family home, condo, townhome
- Luxury properties and unique architectures
- Properties exceeding conforming loan limits
Jumbo Market Expertise Required
Jumbo financing ultimately gives borrowers the freedom to pursue properties that align with their long‑term plans — whether that means securing a home with unique architectural character, entering a market with limited inventory, or structuring a loan around complex financial strength. It’s a way to match the scale of your goals with a lending approach built to support them.
Ready to explore exciting, new neighborhoods? Contact me — lets discuss specific property markets and your financing structure for luxury purchases, investment expansion, or portfolio optimization.
**Nothing on this page is a commitment to lend, an offer of credit, or a guarantee that you qualify. All loans are subject to credit approval, underwriting review, and program guidelines. Terms, conditions, and availability may change without notice.