Jumbo Mortgage Loans

What is a jumbo mortgage loan?

A jumbo loan is one where the loan amount is over the conforming limit ($417,000 is the conforming loan limit), *Limits are higher for multi-family properties than single family homes and vary by zip code.

See the conforming loan limit guideline per county to determine the loan limit in your zip code &/or county.

Because such a large amount is being borrowed lenders often charge slightly higher interest rates for these loans. That conforming loan limit varies based on your location, and is higher in areas of the country with higher housing prices.

Jumbo Loan Options

We offer jumbo loans for the following scenarios:

  • Purchase Loans
  • Refinancing
  • Jumbo mortgages for second homes or vacation properties
  • Investment property financing
  • Mortgages for single family homes, condos, townhomes, and two to four unit properties (Properties with five or more units generally require commercial financing.)

Apply online here for a Jumbo Mortgage Loan

Jumbo mortgage loans and super jumbo mortgage loans requires the assistance of a jumbo mortgage loan specialist that has years of experience with super jumbo loans for multi-million dollar homes in these exclusive neighborhoods.

We have more jumbo loan products and jumbo loan options for home buyers & home owners that are looking to refinance their Jumbo Loan.

Multiple Jumbo Mortgage Loan Options

We work with over have a dozen mortgage banks that fund jumbo mortgage loans.

This gives us flexibility pending on each borrowers needs.

Jumbo Product Details

  • Purchase Jumbo Loans
  • Refinance Mortgage Loans
  • Cash Out Refinance Loan Limits
  • up to 90% loan to value first position purchases & refinances
  • Fixed rate option available on first or second position home equity lines of credit

Jumbo Loan Terms

  • 15 YR Fixed Jumbo Loans
  • 30 YR Fixed Jumbo Loans
  • ARMs – 1/1, 3/1, 5/1, 7/1 and 10/1 AMR’s
  • Interest only Jumbo Loans

Loan Amounts

  • Jumbo Loans –  up to $3 Million – 1st mortgages only
  • Super-Jumbo Loans – over $5 Million – 1st mortgages – call to discuss your scenario
  • LTV, -up to 90% LTV –
  • Credit Scores as low as 660 – (Note: LTV is limited based on Fico Score)
  • DTI (Debt to Income ratio) for fixed programs – Can go up to 45%

Property Types

  • SFR,
  • Duplex-4-Plex
  • Townhouse (town homes),
  • Condo’s
  • High Rise Condo’s
  • Condo Hotels Jumbo Loans
  • Rural properties


Non-QM Mortgage Loans

Alternative Document Jumbo Loans

  • No-Doc Jumbo Loan
  • No Income Document Jumbo Loans
  • Bank Statement Jumbo Loan

Ben Gerritsen is a Jumbo Mortgage loan specialist

Where we Lend for Jumbo Mortgage Loans

Mortgage Miarcles Happen is a jumbo mortgage lender in Colorado, Florida, Texas & Utah.

Apply online here for a Jumbo Mortgage Loan