Jumbo loans are designed for borrowers purchasing or refinancing high-value properties that exceed standard conforming loan limits. These mortgages offer flexible structures, competitive pricing, and tailored underwriting for qualified borrowers.
High loan amounts • Flexible terms • Custom financing strategies
A Jumbo loan is a mortgage that exceeds the loan limits set by Fannie Mae and Freddie Mac. Because these loans are not government-backed or conforming, they are underwritten using private lender guidelines.
Jumbo mortgages are commonly used for:
Jumbo loans provide financing solutions for borrowers who need higher loan amounts without splitting financing or using multiple loans.
Key advantages include:
Because Jumbo loans carry higher balances, underwriting focuses on overall financial strength.
Typical Jumbo Loan Parameters:
Loan limits, down payments, and reserves vary by lender, property type, and occupancy.
Jumbo mortgages offer a range of loan structures, including:
Jumbo financing may be available for:
Property eligibility varies by lender and loan structure.
Jumbo loans can also be used to:
Refinancing strategies are evaluated based on LTV, property value, and borrower profile.
Jumbo loans are manually underwritten and typically require:
This approach allows for flexibility, but also requires precise documentation.
At Loans by Kelly, we specialize in structuring jumbo mortgages for high-net-worth borrowers, professionals, and investors. We work with multiple private lenders to tailor financing strategies that align with your financial goals.
Our team provides:
If you’re purchasing or refinancing a high-value property, Loans by Kelly can help you navigate jumbo financing with clarity and confidence.
3 Simple Steps to Get Pre-Approved with Confidence
We begin with a quick conversation to understand your goals, review your financial situation, and identify the best loan options for you.
We match you with the right loan option, whether you’re a first-time homebuyer, investor, self-employed borrower, or using alternative documentation.
Submit your application and receive a fast, no-obligation pre-approval, so you can move forward with confidence.
