Loan options
Jumbo Loans
Not every loan fits every situation. Here’s how I match you to the one that fits yours.
What is it?
A jumbo loan is a mortgage above the conforming loan limit, which the Federal Housing Finance Agency sets each year. Super jumbo loans are larger still. They’re used for higher-priced homes, including waterfront and luxury properties.
Quick facts
Who it fits
- Buyers purchasing higher-priced homes
- Borrowers with strong income and assets
- Buyers of waterfront or luxury property around Tampa Bay
Good to know
Because jumbo loans aren’t backed by the same programs as conforming loans, lenders usually review income, assets and credit more closely. Down payment, reserves and documentation requirements vary by lender and loan size, so I’ll lay out what applies to you at the start.
The process
- Step 1
We review your reserves and documentation upfront
- Step 2
I confirm exactly what paperwork to expect before underwriting
- Step 3
You get rate and term options sized to the property
Common questions
What counts as a jumbo loan?
Any loan above the current conforming limit for your county. I’ll confirm the current limit for your area.
Do jumbo loans have fixed and adjustable options?
Often, yes.
Is the process different?
It’s usually more detailed, so getting organized early helps.
From Clearwater Beach to Davis Islands, I help buyers compare jumbo options. See where I work.
Ready to find your match?
Find Your MatchThis is general information, not a commitment to lend or a rate quote. Programs, limits, and eligibility vary by borrower and property and can change. Equal Housing Opportunity. Jermin Munoz, Mortgage Loan Originator, NMLS# 2689451.