Programs · Full-Doc · Bank Stmt · DSCR · VA · Foreign Nat'l
10 ways
to qualify for a jumbo loan.
Banks have one or two ways to write a jumbo loan. We have ten — full-doc, bank statement, asset depletion, DSCR, foreign national, professional, super-jumbo, construction, VA, and non-warrantable condo. A licensed MLO matches your scenario to the program that gets you funded.
Full Documentation Jumbo
W-2 income, tax returns, traditional employment. Typically the most competitive pricing tier for salaried borrowers with clean documentation.
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Bank Statement Jumbo
12 or 24 months of personal or business bank statements in lieu of tax returns. Designed for self-employed borrowers and business owners.
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Super Jumbo
Loan amounts above $2M up to $10M+. Asset depletion, cross-collateralization, and portfolio structures available for ultra-luxury transactions.
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Foreign National Jumbo
No U.S. credit history required. Available for residential jumbo and DSCR investment properties. Active in South Florida, the Keys, and other international buyer markets.
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DSCR Investment
Qualify on the investment property’s rental income — no personal income documentation required. Available for 1-4 unit residential and short-term rentals.
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Asset Depletion
Qualify using liquid assets as an income equivalent. Available for high-net-worth borrowers without traditional documented income.
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Professional / Physician
Favorable treatment of student loan debt and consideration of future earnings for physicians, dentists, attorneys, and licensed professionals.
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Construction-to-Permanent
One-time close construction and permanent financing in a single transaction. Available for custom luxury builds above conforming limits.
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VA Jumbo
VA loan benefit for amounts above the conforming limit. No PMI required. Available to eligible veterans, active-duty, and qualifying surviving spouses.
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Non-Warrantable Condo
Portfolio programs for condos that don’t meet Fannie/Freddie eligibility. Common in South Florida luxury towers — Brickell, Miami Beach, Sunny Isles.
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Commercial Real Estate
CRE financing to $500M+ through institutional capital. Office, retail, multifamily, mixed-use, and hospitality. Bridge, permanent, and construction structures.
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Aviation & Equipment
Aircraft financing for domestic and international buyers. Equipment financing for business acquisition. Specialty programs through our institutional network.
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Not sure which program fits?
Start our AI-assisted application and a licensed MLO will review your scenario and identify the right programs. No obligation. NMLS# 1967971.
