Financing luxury homes & high-value real estate.
OptionOne makes financing your next dream home a reality. Our team of experts understands the complexity of Jumbo loan programs and is ready to deliver you an exceptional client experience. Ideal for high-net-worth individuals, entrepreneurs, and investors looking to finance luxury homes beyond conforming limits.
What is a Jumbo Loan?
A Jumbo Loan is a mortgage that exceeds the conforming loan limits set by the Federal Housing Finance Agency (FHFA). These loans are too large to be purchased by Fannie Mae or Freddie Mac, making them non-conforming. The conforming loan limit for most areas is $832,750 but can go up to $1,249,125 in high-cost areas. Anything above is a Jumbo Loan.
Benefits of a Jumbo Loan
- Finance luxury homes and high-value properties
- Competitive rates for qualified borrowers
- Flexible terms and structures
- Ideal for high-net-worth individuals and investors
Qualification Criteria
- Strong credit profile
- Significant liquid assets and reserves
- Low debt-to-income ratio
- High down payment often required
Jumbo loan details.
Jumbo Program
High-balance residential financing for luxury homes and high-value real estate.
Qualification Details
- Credit Score 720+ FICO
- Down Payment 10% (up to 90% LTV)
- Max Loan Amount Up to $6,000,000
- Interest-Only Options available
- Term 15, 30 yr fixed or ARMs
Income & Property
- Full doc (W-2/tax returns) or Alt doc (Bank Statements, P&L, Assets)
- Primary residences, second homes, and 1–4 unit investment properties
- No Private Mortgage Insurance (PMI) required
- Flexible debt-to-income (DTI) requirements for qualified profiles
- Vesting available in individual names, LLCs, or Corporations
Real results.
Real reviews.
Frequently asked questions.
Jumbo loans allow you to finance luxury homes and high-value properties beyond conforming limits. They offer competitive rates for qualified borrowers, flexible terms and structures, and are ideal for high-net-worth individuals, entrepreneurs, and investors.
Qualification criteria typically include a strong credit profile, significant liquid assets and reserves, a low debt-to-income ratio, and often a higher down payment requirement compared to conventional loans. OptionOne's Optima program allows up to 90% LTV with a 720 minimum FICO.
The conforming loan limit is $832,750 in most areas. In high-cost areas, it can go up to $1,149,825. Any mortgage exceeding these limits is considered a Jumbo Loan.
Yes. Our Optima and Optima Plus programs allow qualification with 12 or 24 months of bank statements, or with a CPA-prepared P&L only. You can also include assets to strengthen your application.
Yes, both Optima and Optima Plus offer interest-only payment options to help manage cash flow.
Ready to finance your dream home?
Competitive rates on jumbo loans up to $6M with flexible income documentation. Soft credit pull only.