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.
Same-day qualifying means you never miss a closing date.
Two flagship jumbo programs — Optima and Optima Plus — for self-employed and high-net-worth borrowers.
Optima
Qualify with 12- or 24-month bank statements. Qualify with P&L only. Include assets if needed.
- Loans from $300K to $6M
- Up to 90% LTV
- Min. FICO score: 660
- I/O payment option available
- Primary residences, second homes, or 1–4 unit investment properties
Optima Plus
Higher LTV jumbo for stronger credit profiles. Same flexible income docs.
- Loans from $300K to $3M
- Up to 85% LTV
- Min. FICO score: 660
- I/O payment option available
- Primary, 2nd, or 1–4 unit investment
Jumbo loan quick reference.
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
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 $5M with flexible income documentation. Soft credit pull only.