Jumbo Loans

We’re proud to offer our customers a wide range of home loan options to leave no particular buyer out of the dream of homeownership. Part of that service involves offering financing for high-value homes – jumbo loans.


What Is A Jumbo Loan?

A jumbo loan, also called a jumbo mortgage or a non-conforming mortgage, offers home financing above the limits of Fannie Mae and Freddie Mac. These government-sponsored enterprises purchase loans from banks and private lenders like Homebridge and set the rules for what kind of loans they will accept.

Jumbo loans are typically available as both fixed-rate and adjustable-rate and come with a variety of terms. They can be used to purchase primary residences, second homes or even investment properties. Fannie Mae regularly changes the rules on what constitutes a non-conforming loan with yearly changes, such as dollar amount limits.

Jumbo Loan For Purchasing A Home

We offer non-conforming loan solutions tailored to our customers’ unique needs at a competitive rate. Features of our jumbo loan program include:

  • Down payment as little as 5% down payment
  • Credit scores as low as 600
  • Loan amounts as high as $3 Million in some areas
  • Eligible after recent credit challenges like foreclosure, short sale or bankruptcy

Jumbo Renovation Financing

A jumbo renovation loan combines the price of your new high-end house with the cost of repairs or an elegant remodel. If you’re planning to purchase or refinance a primary residence, vacation home or even investment property in need of renovation, this loan gives you financing you need to make it your dream home.

A huge benefit of using a jumbo purchase and renovation loan is that your renovation finance limits are based upon the home’s appraised value after improvements are made. This means you’ll have more cash to work with when making changes.

The loan includes all the costs of major additions and upgrades, plus the purchase price or existing home loan balances, minus the required down payment or current equity in the home.

Jumbo Construction To Permanent Loan

Build your luxury home from the ground up with one application, one loan and one set of closing costs to finance your construction and home purchase. With a jumbo construction to permanent loan, you can expect these benefits:

  • Make interest-only payments during construction
  • A rate can be locked at any time prior to the loan closing
  • Flexible and straightforward draw process with no set schedules
  • Teardowns and major renovations are eligible
  • Up to 24 months construction period

To learn more about jumbo lending and its many applications, contact us today!

Start Your Loan Today