Premium financing for premium properties.
Jumbo loans with sophisticated structuring for high-value primary, secondary, and luxury homes.
What this loan really is
A jumbo loan is any mortgage above the conforming loan limits set by Fannie Mae and Freddie Mac. In high-value markets like Palm Beach, jumbo financing is often the only path forward — and the structuring matters enormously. We compare lender programs, asset depletion options, and interest-only structures to find the right architecture for your purchase.
Why borrowers choose this path
High Loan Limits
Finance well above conforming limits — often into the multi-million-dollar range.
Competitive Rates
Jumbo rates are often comparable to — and sometimes better than — conventional pricing.
Interest-Only Options
Strategic structuring for borrowers prioritizing cash flow and asset deployment.
Asset-Based Qualification
Asset depletion and pledged-asset programs available for the right borrower profile.
Real situations we help navigate
A coastal Palm Beach buyer financing a $3.5M primary residence with 25% down.
A high-net-worth buyer using asset-depletion qualifying instead of W-2 income.
A self-employed founder structuring an interest-only jumbo to preserve business liquidity.
Questions, answered honestly
What down payment is required?
Most jumbo programs require 10-25% down, depending on loan size, property type, and borrower profile.
Are reserves required?
Yes — jumbo programs typically require 6-12 months of reserves, sometimes more for larger loan amounts.
Can I qualify based on assets instead of income?
Yes. Asset-depletion and pledged-asset programs are available for borrowers with significant liquid net worth.
Let's Build Your Next Move With Confidence
Whether you're buying your first home or your fifth investment property, we'll guide you every step of the way.