Jumbo Loans
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Jumbo Loan: Program Highlights & Borrower Benefits
A Jumbo Loan is designed for borrowers purchasing or refinancing properties that exceed conforming loan limits set by Fannie Mae and Freddie Mac.
If you’re buying in higher-priced markets or financing luxury real estate, jumbo financing provides expanded loan limits with tailored underwriting.
Bigger properties require a smarter structure.
Program Features
Loan Amounts: Above conforming limits (often starting $832,550+ depending on county)
DTI Ratio: Generally up to 43%–45% depending on compensating factors
Max Loan Amount: Up to $5,000,000+ depending on profile
Reserves: 6–12 months depending on loan size
Min Credit Score: Typically 680+ (720+ preferred for better terms)
Property Types: Primary residence, second homes, and select investment properties
Down Payment: Starting at 15% (varies by credit profile)
Occupancy: Owner-occupied and second homes most common
Competitive pricing for high-balance loans.
Expanded financing power.
Structured underwriting.
This isn’t cookie-cutter lending.
Program Highlights
Loan Amounts: Above conforming limits (often starting $832,550+ depending on county)
Max Loan Amount: Up to $5,000,000+ depending on profile
Min Credit Score: Typically 680+ (720+ preferred for better terms)
Down Payment: Starting at 15% (varies by credit profile)
DTI Ratio: Generally up to 43%–45% depending on compensating factors
Reserves: 6–12 months depending on loan size
Property Types: Primary residence, second homes, and select investment properties
Occupancy: Owner-occupied and second homes most common
Competitive pricing for high-balance loans.
Expanded financing power.
Structured underwriting.
This isn’t cookie-cutter lending.
How It Works
Apply Online
Get Approved
Fund
Apply Online
Get Approved
Fund
Equinox Makes Jumbo Financing Strategic
At Equinox, we understand high-income borrowers often have:
- Multiple income streams
- RSUs and stock compensation
- Business ownership
- Asset-heavy profiles
- Complex tax returns
We structure the file correctly before submission to protect:
- Pricing
- Approval strength
- Timeline
- Asset positioning
Because jumbo loans aren’t about “just qualifying.”
They’re about strategic positioning.
Why Choose a Jumbo Loan?
If the property exceeds conforming limits, jumbo financing gives you access without splitting into multiple loans.
Bigger purchase.
Bigger responsibility.
Smarter structure.
We are the Alternative Mortgage Financing Experts.
Funded Home Loans
%
Application to Closing Conversion
Funded Home Loans
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Application to Closing Conversion
Answers to Your Questions
What is a Jumbo Loan?
Is My Credit Score a Factor in Getting Approved?
What Kind of Loan Terms Do You Offer?
How Do I Get Qualified?
What Type of Properties Can I Finance?
Our Latest Funded Loans
Los Angeles, California
Bank Statement Loan
10% Down Payment
$1,200,000 Loan Amount
Tampa, Florida
Bank Statement Loan
25% Down Payment
$475,000 Loan Amount
Plano, Texas
2 Year 1099 Loan
15% Down Payment
$505,000 Loan Amount
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