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Loan program
Jumbo & high-balance loans
Shopping the luxury market? Jumbo and high-balance financing for loan amounts above conforming limits, including consultations with a dedicated jumbo specialist on our team.
When a loan amount exceeds the conforming loan limit, jumbo financing applies. Jumbo programs are lender-specific and often involve custom underwriting paths for asset-rich, complex-income borrowers: exactly the kind of file our team handles regularly across the Buffalo, New York City, and Florida markets.
NMLS #98185
Hundreds of lender partners
Who it's for
- Buyers of luxury or high-value homes above conforming limits
- Borrowers in high-cost markets needing high-balance financing
- Asset-rich, complex-income borrowers (self-employed, business owners)
- Investors and second-home buyers in higher price tiers
Eligibility, rates, fees, and program features depend on credit, property, and lender. Examples here are illustrative only and are not approvals, preapprovals, or commitments to lend.
Key benefits
Why borrowers choose this program
- Loan amounts above conforming limits
- Custom underwriting paths for complex income profiles
- Fixed and ARM options
- Primary residence, second home, or investment property paths (program permitting)
Eligibility
What we'll look at
- Stronger credit profile typically required
- Reserves (months of payments held in liquid assets)
- Loan-to-value, debt-to-income, and asset documentation
- Property appraisal and value support
Documents
Commonly needed if you proceed
- Tax returns (often two years, business + personal if applicable)
- Asset statements covering reserves
- Pay stubs and/or P&L for self-employed borrowers
- Photo ID
Documents are collected later in the lender portal. None are uploaded through this page.
Scenarios
Common scenarios
- Luxury home loan above county conforming limits
- High-balance purchase using asset depletion / bank statement income
- Refinance of a high-value home to take cash out at first-lien pricing
- Second home in a high-cost market
How it compares
Versus other programs
| Compared to | Bottom line |
|---|---|
| Conventional | Conventional stops at the conforming limit; jumbo picks up beyond that. |
| FHA | FHA has loan limits well below jumbo's territory in most areas. |
| Portfolio / non-QM | Some jumbo scenarios pair with portfolio or non-QM programs when income is structured creatively; we'll evaluate fit. |
Frequently asked
Jumbo & high-balance loans FAQ
Down payment varies by lender and scenario; many programs start around 10–20% for strong borrowers. We'll model what fits your loan size and credit profile.
Connect with our experts today
Let's get you home, talk to our Buffalo team today
Whether you're ready for a fast prequalification, want an honest rate conversation, or need a second opinion on a quote you already have, we're here. Family-owned, local, and easy to reach. No spam, no surprise fees, no obligation.