Best for
High-balance purchases and refinances in higher-cost markets.
- Down payments from 10% on many programs
- Fixed and ARM structures available
- Asset-depletion and bonus/RSU income options
What underwriters look for
Jumbo guidelines are stricter than conforming: more reserves (often 6–12 months of payments), lower debt-to-income tolerance, and stronger credit. Documentation depth matters more than on any other program.
Complex income welcome
RSU vesting schedules, K-1 distributions, bonus history, and asset-based qualifying are common on these files. Bring the full picture and we'll structure to it.
Appraisal expectations
Some jumbo loans require two appraisals or a desk review above certain loan amounts. We disclose that up front so the timeline is realistic.