Florida Guide
Jumbo loans in
Florida explained.
In Florida, a jumbo loan is any mortgage exceeding the FHFA conforming limit for the subject county. Most Florida counties use the 2026 baseline of $832,750.
In Florida, a jumbo loan is any mortgage exceeding the FHFA conforming limit for the subject county. Most Florida counties use the 2026 baseline of $832,750.
The definition is the same nationally — any mortgage above the county-specific FHFA limit is jumbo. Most Florida counties use the 2026 baseline of $832,750. Loans above this amount require non-conforming jumbo financing.
South Florida's luxury corridor generates the highest jumbo volume. Key markets include Miami Beach, Brickell, Palm Beach, Boca Raton, Naples, Sarasota, Destin, and the Florida Keys.
A licensed MLO will review your situation and identify the right programs. NMLS# 1967971 · FL, TN, SC, CO, TX.
All content on this page is for informational and educational purposes only and does not constitute financial, legal, or mortgage advice. Loan programs, qualification requirements, and availability are subject to change without notice and vary by lender, borrower profile, property type, and market conditions. All loans are subject to credit approval. Not a commitment to lend. Speak with a licensed Mortgage Loan Originator for guidance specific to your situation. New Century Mortgage LLC · NMLS# 1967971 · Equal Housing Lender · NMLSConsumerAccess.org