Florida Jumbo & Super Jumbo Mortgage Options
Highly competitive Jumbo Florida Mortgage loans are for self-employed people with no tax returns, using VOE, bank statements, or 1099 to qualify with super Jumbo interest rates, flexible terms, and tailored for Jumbo and Super Jumbo luxury homes. Jumbo Florida mortgage lenders provide flexible financing options for super jumbo luxury homes and investment properties, going beyond traditional conforming loan limits, with Super Jumbo loans potentially reaching up to $30 million. We provide Florida luxury jumbo mortgage loan amounts and create custom solutions.
Flexible Jumbo Florida Mortgage Options
As a provider of million-dollar home loans accommodating large loan amounts and creating custom mortgage solutions:
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Bank Statement Loans
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Loan amounts up to $30 million or more
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Underwriting Flexibility
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Portfolio Loan Options
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Extensive range of mortgage programs and options
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Interest-only options available
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Unique properties considered
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90% financing on purchase loans
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Highly competitive Non-resident alien programs
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Jumbo and Super Jumbo Loan Benefits
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No Tax Returns Using Bank Statements for income
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Loan amounts up to $30 million or more
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Flexibility to make exceptions down to 500+ credit
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Portfolio Loan Approvals – when your bank stays No!
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Extensive range of mortgage programs and options
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Interest-only options available
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Unique properties considered
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Up To 90% financing on purchase loans
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Highly competitive non-resident alien programs
Jumbo and Super Jumbo Mortgage Options Include:
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Bridge-to-Sale – Help clients access their listed property’s equity before its sale.
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Bank Statement– Use multiple income streams for qualification, including personal or business bank statements.
- Foreign National – Non-Resident– Jumbo Super Jumbo refinance up to 15 MM with CPA letter on independent CPA firm’s company letterhead properly dated.
- Asset Depletion– Increase client purchasing power by calculating assets into qualifying income, without liquidating.
- Cross-Collateralization– Access Jumbo home equity to purchase a new home without having to sell first. Cashout up to 100% of a home’s value by securing the loan against an additional free and clear property.
- Condo Condotel – Super Jumbo Condo and Condotel Florida mortgage lenders for Unique properties.
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Pledged Asset – Leverage assets (stocks, mutual funds, etc.) without liquidating. Jumbo cashouts up to 90% of a home’s value by pledging security assets or savings.
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DSCR– Jumbo DSCR loans for investment properties using only 1007 rental income to qualify.
- Bad Credit Florida Jumbo Mortgage– Jumbo mortgage exceptions with unforeseen circumstances.
Jumbo and Super Jumbo Florida Mortgage Loans
Jumbo and Super Jumbo Loans offer Florida mortgage applicants the flexibility of borrowing with less restrictions. They can be used to jumbo mortgage primary residences, second or vacation homes, and investment properties. A Jumbo Florida cashout refinance may also be the right option when refinancing an existing Florida home loan or consolidating multiple mortgages into a single luxury home loan mortgage.
A mortgage is generally considered a Jumbo Loan when it exceeds the conforming loan limit, $726,200 in most U.S counties, set by Fannie Mae and Freddie Mac. Super Jumbo Loans usually include mortgage amounts over $1 million.
10% Down Jumbo Florida Mortgage Lenders
- $2,000,000 loan amount with a 680 credit score = 90% Loan To Value.
- $2,500,000 loan amount with a 720 credit score = 80% Loan To Value.
- $3,000,000 loan amount with a 740 credit score = 80% Loan To Value.
- No Mortgage Insurance Required.
- Jumbos for single-family, townhomes, and condominiums.
- Debt to income max is 50% depending on credit scores.
- Self-employed borrowers with write-offs use our bank statement mortgage lenders.
- Investors Use Projected Rental Income To Qualify.
- No Tax Return Mortgage Lenders for Primary Residences & Second Homes.
- VA jumbo loans for qualified Veterans who want to take advantage of zero down.
Super Jumbo Loans Up To 15 Million!
- Owner Occupied, 2nd Home, Investment.
- All Arms with 30-year amortization.
- Non Warrantable Condos OK
- Loans Up TO 30,000,000.
NON-QM Florida Jumbo Mortgage Options Include:
We provide a variety of specialty Alternative Florida mortgage programs including:
- NO Tax return: Non-QM and private jumbo Florida lenders offer alternative documentation.
- 1099 Only: Use 1099 Income up to 100% with no verified business expenses.
- Bank Statement: Use 12 or 24 average bank deposits for mortgage income.
- Asset-Based: Jumbo Florida Mortgage uses assets in your account to qualify.
- Self-Employed Mortgage: – If you write off too much of your income.
- P&L Only:: Use Your licensed Tax preparer Profit and Loss to qualify.
- NO Income:: Use the subject property’s income for your next jumbo Florida mortgage investment.
- Foreign National: Nonresidents can invest purchase or cash out.
- Commercial: Options for Florida office buildings, shopping centers, and warehouses.
- Non-Warrantable Florida Condos and Condotel Mortgage Options
Jumbo Florida Mortgage Lenders Key Points
- Jumbo Florida mortgage loans require higher credit scores, a higher level of income, or larger down payments and reserves requirements.
- Jumbo mortgage interest rates are usually higher than conforming mortgages.
- Jumbo Florida Mortgage lenders vary in location, but in most parts of the U.S., it’s a loan of more than $806,500.
| County | Jumbo Florida limits | Florida FHA Loan Limits |
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| Alachua | $806,500 | $524,225 |
| Baker | $806,500 | $580,750 |
| Bay | $806,500 | $524,225 |
| Bradford | $806,500 | $524,225 |
| Brevard | $806,500 | $524,225 |
| Broward | $806,500 | $654,350 |
| Calhoun | $806,500 | $524,225 |
| Charlotte | $806,500 | $524,225 |
| Citrus | $806,500 | $524,225 |
| Clay | $806,500 | $580,750 |
| Collier | $806,500 | $764,750 |
| Columbia | $806,500 | $524,225 |
| Desoto | $806,500 | $524,225 |
| Dixie | $806,500 | $524,225 |
| Duval | $806,500 | $580,750 |
| Escambia | $806,500 | $524,225 |
| Flagler | $806,500 | $524,225 |
| Franklin | $806,500 | $524,225 |
| Gadsden | $806,500 | $524,225 |
| Gilchrist | $806,500 | $524,225 |
| Glades | $806,500 | $524,225 |
| Gulf | $806,500 | $524,225 |
| Hamilton | $806,500 | $524,225 |
| Hardee | $806,500 | $524,225 |
| Hendry | $806,500 | $524,225 |
| Hernando | $806,500 | $524,225 |
| Highlands | $806,500 | $524,225 |
| Hillsborough | $806,500 | $524,225 |
| Holmes | $806,500 | $524,225 |
| Indian River | $806,500 | $524,225 |
| Jackson | $806,500 | $524,225 |
| Jefferson | $806,500 | $524,225 |
| Lafayette | $806,500 | $524,225 |
| Lake | $806,500 | $524,225 |
| Lee | $806,500 | $524,225 |
| Leon | $806,500 | $524,225 |
| Levy | $806,500 | $524,225 |
| Liberty | $806,500 | $524,225 |
| Madison | $806,500 | $524,225 |
| Manatee | $806,500 | $547,400 |
| Marion | $806,500 | $524,225 |
| Martin | $806,500 | $596,850 |
| Miami-Dade | $806,500 | $654,350 |
| Monroe | $967,150 | $967,150 |
| Nassau | $806,500 | $580,750 |
| Okaloosa | $806,500 | $603,750 |
| Okeechobee | $806,500 | $524,225 |
| Orange | $806,500 | $524,225 |
| Osceola | $806,500 | $524,225 |
| Palm Beach | $806,500 | $654,350 |
| Pasco | $806,500 | $524,225 |
| Pinellas | $806,500 | $524,225 |
| Polk | $806,500 | $524,225 |
| Putnam | $806,500 | $524,225 |
| Santa Rosa | $806,500 | $524,225 |
| Sarasota | $806,500 | $547,400 |
| Seminole | $806,500 | $524,225 |
| St. Johns | $806,500 | $580,750 |
| St. Lucie | $806,500 | $596,850 |
| Sumter | $806,500 | $524,225 |
| Suwannee | $806,500 | $524,225 |
| Taylor | $806,500 | $524,225 |
| Union | $806,500 | $524,225 |
| Volusia | $806,500 | $524,225 |
| Wakulla | $806,500 | $524,225 |
| Walton | $806,500 | $603,750 |
| Washington | $806,500 | $524,225 |
