Loan Programs · Jumbo
Jumbo loans for Orlando luxury homes.
Homes in Dr. Phillips, Windermere, Isleworth, and Bay Hill routinely exceed the $832,750 conforming limit. Jumbo financing requires a specialist — not a lender who processes two of these a year.
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$832,751+
Loan Threshold
10%
Min. Down
700+
Min. Credit
6–12 mo.
Reserves Required
Why jumbo is different
What changes above $832,750.
Conforming loans (below the limit) are sold to Fannie Mae and Freddie Mac after closing. Jumbo loans can't be sold into those secondary markets — the lender keeps the risk on its own books or finds private investors to buy them.
This means jumbo lenders apply their own underwriting standards, which are typically more conservative: higher minimum credit scores, larger down payments, more months of reserves required, and more documentation for complex income situations.
It also means not every lender does jumbo well. A bank that processes 200 conventional loans a month and two jumbos will move slower and be less flexible than a lender with an active jumbo program and dedicated underwriters who see these loans daily.
Ryan works with jumbo-specialized lenders who can close in 21–30 days and issue pre-approvals within 48 hours — critical in a competitive luxury market where the right home doesn't wait.
Jumbo qualification checklist
Loan tiers
Conforming vs. jumbo vs. super-jumbo.
| Tier | Loan Range | Min. Down | Min. Credit | Notes |
|---|---|---|---|---|
| Conforming | Up to $832,750 | 3–20% | 620+ | Fannie/Freddie eligible. Best rates. Standard underwriting. |
| Jumbo | $832,751 – $2.5M | 10–20% | 700+ | Portfolio lender or secondary market. Higher reserve requirements. |
| Super-Jumbo | $2.5M – $10M+ | 20–30% | 720+ | Bespoke underwriting. Asset-based qualification available. Private bank relationships. |
Common questions
Jumbo loan FAQs.
What is the 2026 conforming loan limit in Florida?
The 2026 conforming loan limit for most Florida counties is $832,750 for a single-family home. Loans above this amount are classified as jumbo loans and don't qualify for Fannie Mae or Freddie Mac purchase.
Can I get a jumbo loan if I'm self-employed?
Yes — jumbo lenders often have more flexibility than conforming programs for high-income self-employed borrowers. Some portfolio lenders offer asset depletion programs (qualifying on investment accounts rather than income) or 12-month bank statement programs specifically designed for self-employed jumbo buyers.
How many months of reserves does a jumbo loan require?
Jumbo loans typically require 6–12 months of reserves (the ability to make 6–12 monthly payments from liquid assets after closing). Super-jumbo loans above $2M may require 12–18 months. Retirement accounts count at 60–70% of their value; checking and savings count at 100%.
What is an asset-based or asset depletion jumbo loan?
Asset-based qualification lets high-net-worth buyers qualify using their investment portfolio instead of income. The lender divides your eligible assets by the loan term (in months) to derive a monthly qualifying income. A buyer with $4M in assets could qualify for a significant jumbo loan without W-2 income — a common path for buyers living off their portfolios.
Pre-approved in 48 hours.
Luxury sellers don't wait. Ryan issues jumbo pre-approvals within 48 hours so you can move on the right home the day it hits the market.
Ryan Solberg · MLO NMLS #1784218 · Mortgageinc NMLS #2028516 · Licensed in Florida