JumboLoan - Big Loans Made Simple
We specialize in jumbo mortgage solutions for high-net-worth buyers–delivering speed, discretion, and custom loan structures designed to fit complex financial profiles.
Residential Jumbo Loan
Borrow up to $10,000,000 or potentially more
- Purpose: To finance high-value homes that exceed conforming loan limits (usually over $806,500 in most areas in 2025).
- Used For: Single-family homes, condos, vacation homes.
- Borrower Type: Individuals or families.
- Based On: Personal income, credit score, debt-to-income ratio, and assets.
- Veteran Affairs Loans up to $4,000,000
Reasons to Get a Residential Jumbo Loan
Buy a High-Value Home
- Jumbo loans are designed for luxury homes or properties in high-cost areas.
- If the price of the home exceeds the conforming loan limit (set by the Federal Housing Finance Agency), you'll need a jumbo loan.
- In 2025, the conforming loan limit is around $806,500 in most U.S. areas (higher in certain high-cost regions).
Finance More Without Multiple Loans
- Instead of stacking two mortgages (like a first and a second), jumbo loans allow you to borrow a large amount in one loan, which can be simpler to manage.
Diversify Investment Strategy
- Instead of paying all cash for a home, taking out a jumbo loan allows you to keep liquidity and invest your money elsewhere (stocks, business, etc.).
Commercial Jumbo Loan
Borrow up to $250,000,000 or more
- Purpose To finance large income-producing or business-use properties.
- Used For: Office buildings, apartment complexes (usually 5+ units), shopping centers, hotels, industrial sites.
- Borrower Type: Business entities, developers, investors.
- Based On: Property income (cash flow), loan-to-value (LTV), debt-service coverage ratio (DSCR), and business financials.
- Often involves private lenders, institutional financing, or bank syndicates.
Reasons to Get a Commercial Jumbo Loan
Obtain Commercial Properties
Access to Large Amounts of Capital
- Ideal for vertical or horizontal big projects like:
- Office Towers
- Apartment Complexes
- Hotels
- Industrial Parks
- Construction Loan
- Building Subdivisions
- Allows businesses or investors to secure properties that would be impossible with standard-size loans.
Scales with Investment Size
- Lenders can structure jumbo commercial loans to match the scope of your project—including construction, acquisition, and refinancing.
Potentially Improve Cash Flow
- Lower payments free up cash for:
- Business expansion
- Hiring staff
- Equipment or inventory
- Other investments
- Helps stabilize finances and reinvest in growth.
Remove or Reduce Personal Guarantees
- As your business or property gains value and performance history, you may be able to refinance to a non-recourse loan or reduce personal liability.
Consolidate Debt
- If you have multiple commercial loans or business debts, refinancing can combine them into one, simplifying management and potentially lowering your total payment
Change Loan Terms
- You can switch to terms that better fit your goals:
- You can switch to terms that better fit your goals:
- Extend the amortization period to lower monthly payments
Refinance Out of a Hard Money Loan
- If you initially used a short-term, high-cost loan (e.g. for acquisition or bridge financing), refinancing into a long-term commercial mortgage can significantly reduce financing costs.
- Refinancing a commercial loan can reduce costs, improve cash flow, and better align your financing with your long-term goals. It’s especially valuable when market conditions improve or your property has appreciated.
A jumbo commercial loan is beneficial when you need significant funding for large-scale commercial real estate or business ventures. It offers capital, flexibility, and scalability, making it an essential tool for serious investors and developers.
How Jumbo Loan Rates Compare
Historically: Jumbo loan rates were higher than conforming loan rates due to the increased risk to lenders (they can't be sold to Fannie/Freddie).
Today: Rates are often very close to conforming rates—and sometimes even lower, depending on your financial profile and the lender.