Florida jumbo loans.

South Florida condos. Gulf barrier islands. Jacksonville riverfront. The Keys and 30A. All of them pass the 2026 limit of $832,750 as a matter of routine.

Three forces shape Florida files: property insurance, condo rules after Surfside, and buyers with global money or self-employed income.

Foreign buyers, business owners, and second-home families drive much of this market. Each group has a program built for exactly how they earn and hold their money.

We quote wind and flood before the contract. The qualifying payment is honest from day one. For condos, the building file comes first: reserves, insurance, structural milestones, and any lawsuits.

The building decides the lender menu before the borrower file matters. Older homes get roof and four-point answers early. Sequenced right, all of this is routine. Found late, it is expensive.

Full-doc jumbo and super-jumbo for primary and second homes. Bank-statement and asset-based programs for business owners and portfolios. Foreign-national loans for global buyers. DSCR for rentals. One-time-close construction for builds.

Want the deep numbers? Read the complete Florida jumbo loan guide and explore our local city guides below.

Select any city to view local conforming thresholds, loan limits, property considerations, and jumbo financing programs.

Credit from 700 opens most doors. The best pricing lives at 740 and up. Ten to twenty percent down fits strong files. Non-warrantable condos and foreign-national loans ask for more.

Reserves of six to twelve months are normal at jumbo sizes. Insurance premiums sit inside the qualifying payment, which is why we price them first.

A clean single-family file closes in three to four weeks. Condos add building review, so we pull the building file before you write the offer. Insurance quotes start on day one. Rush closings are possible when the building file is already in hand.

Two things trigger Florida refinances: better terms, and better insurance. A new wind quote can improve the whole payment even before the rate moves.

Rate-and-term, cash-out, and DSCR refinances for rentals all run here. We re-shop the insurance every time, because in Florida that line item is half the story.

Doc stamps on the deed and the note. Intangible tax on the mortgage. Title and escrows. Florida's closing math is knowable in advance, and we put it next to every option so you compare true bottom lines.

Rate shopping only works when the cost side is equal. We hold costs steady across every option, so the comparison you see is the comparison that closes.

Oral representations cannot be relied upon as correctly stating the representations of the developer. For correct representations, make reference to the brochures and to the documents required by section 718.503 Florida Statutes, to be furnished by a developer to a buyer or lessee. This is not an offer to sell or a request for offers to buy the condominium units. This applies in places where such offers cannot be made or are against the law. Your ability to buy will depend on the state where you live. This offer is only valid with the offering documents for the condominium. Do not trust any statements not found in these documents. The information provided, including pricing, is solely for informational purposes, and is subject to change without notice. Equal Housing Opportunity.

We are not property developers, nor do we represent any developers. Things may change without notice. This includes prices, floor plans, availability, amenities, and design. Changes may happen or not happen. We do not represent you in any way. Buyer beware, seek professional advice from your real estate agent regarding any real estate.