Jumbo Loans

Now offering Jumbo loans with 3.5% Down Payment!

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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.

Family eating breakfast at table

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

Our licensed loan officers are ready to help answer any questions that you have. Taking an application over the phone could be as quick as 10 minutes.

Get Approved

We will review your loan application, your property will be appraised, underwritten, and approved.

Fund

Once all items have been satisfied and we are clear to close, loan docs will be drawn. You’ll sign loan docs and your loan will fund.

Apply Online

Our licensed loan officers are ready to help answer any questions that you have. Taking an application over the phone could be as quick as 10 minutes.

Get Approved

We will review your loan application, your property will be appraised, underwritten, and approved.

Fund

Once all items have been satisfied and we are clear to close, loan docs will be drawn. You’ll sign loan docs and your loan will 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.

Front door on house exterior

Why Choose a Jumbo Loan?

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Buyers in high-cost markets
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Luxury property purchasers
9
Executives with stock-based compensation
9
Business owners with strong asset reserves
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Borrowers refinancing high-balance loans
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Investors financing premium properties
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.

At Equinox Home Financing, we've helped thousands of borrowers purchase and refinance homes using some of the industry's most innovative financing solutions. Put our knowledge and experience to work for you. Contact us today for a free quote and consultation.

Funded Home Loans

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Application to Closing Conversion

Funded Home Loans

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Answers to Your Questions

What is a Jumbo Loan?
A jumbo loan is a loan that exceeds the conforming loan limits as set by Fannie Mae and Freddie Mac. As of 2024, the limit is $766,550 for most of the US, apart from Alaska, Hawaii, Guam, and the U.S. Virgin Islands, where the limit is $1,149,825. Rates tend to be a bit higher on jumbo loans because lenders generally have a higher risk. With a jumbo loan, we look at things like your credit score, income, and down payment amount to see what you qualify for. The homeowner or buyer must demonstrate that they have enough income and credit history to qualify.
Is My Credit Score a Factor in Getting Approved?
When doing a jumbo loan, we do look at your credit score. Credit can go as low as a 620 FICO score at times. With jumbo loans, factors like past short sales, foreclosures, or derogatory credit have an impact on qualification. If your financial situation makes sense today, we can lend you the money you need for a jumbo purchase loan or a refinance loan.
What Kind of Loan Terms Do You Offer?
Jumbo loans come in all types of loan terms. It’s a very flexible program that can help you get the payment that you need. Jumbo loans are available as a 5 Year Adjustable Rate Mortgage, which will get you the best interest rates. If you want a longer term, we have a 7 Year Adjustable Rate Mortgage available and a 30 Year Fixed Rate option available as well. Some borrowers prefer interest-only payments, which we can do as well, so that you can keep your monthly payments as low as possible.
How Do I Get Qualified?
The process is simple. When most people call us, they are usually skeptical about the program and whether they can really qualify. Here at Equinox Home Financing, we have been providing these programs since they have been made available and have been able to help many borrowers purchase or refinance their homes. First step is to call us, a professional will help consult with you and explain how our programs work in detail. There are many types of programs, and it’s best to speak with us so we can guide you in the right direction.
What Type of Properties Can I Finance?
It depends on the type of loan program you are qualified for. With a jumbo loan program, we can offer this loan on an owner-occupied, Second Home, or Investment Property. We can lend on single-family residences, condos, and 1-4 unit properties.

Our Latest Funded Loans

Take a look at some of the loans we recently funded for our self-employed customers.
LA House

Los Angeles, California

Bank Statement Loan
10% Down Payment
$1,200,000 Loan Amount

Spanish Style house

Tampa, Florida

Bank Statement Loan
25% Down Payment
$475,000 Loan Amount

White house front exterior

Plano, Texas

2 Year 1099 Loan
15% Down Payment
$505,000 Loan Amount

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What Are You Waiting For?

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