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Loan program
Jumbo loans
When the loan amount is above the conforming limit, you need a jumbo loan. They are common in Naples, Marco Island, and other high-value coastal markets.
A good fit for
- Luxury and waterfront homes
- Second homes in Southwest Florida
- Borrowers with strong credit and reserves
- Buyers who want one loan instead of two
Good to know
- Guidelines vary widely between lenders
- Reserve requirements are usually higher
- Larger down payment is typical
- Some programs allow interest-only payments
Why shopping matters most on jumbo loans
Jumbo loans are not standardized the way conforming loans are. Each lender sets its own credit, reserve, and pricing rules, so the same borrower can see very different terms. That is where a broker with access to several jumbo lenders earns its keep.
Coastal Florida considerations
Flood zones, wind insurance, condo reviews, and seasonal-use questions all affect jumbo approvals in Southwest Florida. We have closed in these markets and plan for these items from the start.
Rates and terms change daily. Contact us for current pricing based on your credit, property, and down payment.
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