When A File Is Jumbo.
Any loan exceeding the conforming loan limit set by the Federal Housing Finance Agency for your county is a jumbo loan. In most of the country, that line currently sits at $806,500; in designated high-cost markets it rises higher. Above those numbers, the loan leaves the agency rails and lives on private balance sheets — which means pricing, structure, and approval become a negotiation.
- Loans up to $3M through our standard wholesale jumbo partners. Larger files placed individually through portfolio relationships up to $15M.
- As little as 10% down on strong borrower files with appropriate reserves and pricing concessions.
- Pledged-asset structures using securities or deposit accounts in lieu of liquidating positions.
- Interest-only periods on appropriate files where cash-flow optimization matters more than principal paydown.
- ARM products with 5-, 7-, and 10-year fixed periods, priced significantly tighter than 30-year fixed jumbo.
- Bridge financing for clients buying the next home before the current one sells.
Best Fit Profiles.
- Buyers of primary, second, or investment residences above the conforming limit
- Executives and business owners with significant non-W-2 compensation — bonus, equity, K-1 distributions
- Families with substantial liquid assets who prefer to keep capital invested rather than tied in equity
- International buyers and foreign nationals with U.S. property goals (structured separately through specialty programs)
- Buyers needing concurrent purchase and bridge financing across multiple residences
How We Structure The File.
Lender Selection As A First Step
Jumbo lenders are not interchangeable. Each has appetite for specific borrower profiles, asset structures, and property types. Before a single document moves, we identify the two or three lenders whose box your file fits cleanly — and skip the rest. That decision alone is worth a quarter-point in pricing on most files.
Asset Documentation Without Liquidation
We work with clients regularly who do not — and should not — liquidate positions to satisfy underwriting. Pledged-asset, securities-backed, and structured reserve documentation handle this cleanly when the broker knows where to place the file.
Concurrent Transactions
Selling one home and buying another is rarely simultaneous. We structure bridge financing, interest-only seconds, and pledged-asset programs to remove the dependence — so you’re not forced to make a worse decision on either side of the transaction.
Discretion
High-value transactions don’t belong in marketing decks. Conversations with our jumbo clients happen on Jason’s direct line. Files don’t circulate. We work the way a private banker works.