Jumbo Mortgages - Financing Your Florida Dream Home
Your local mortgage lender for Jumbo loans in Florida. We are a direct lender with in-house underwriting for fast approvals and fast closings. At 1st Florida Mortgage, we offer private investor financing with highly competitive rates. Let us help you secure the financing you need for your dream home with ease and confidence.
- Jumbo Loans up to $3,000,000
- 80% LTV with 680 FICO (90% LTV with 720 FICO)
- Owner Occupied, Second Home and Investment
- Subject to Investor Requirements
- Fixed Rate and Adjustable Rate Options
Credit score requirements – no lower than 680 with 80% LTV. If you are going to qualify for a Texas jumbo mortgage, you will need to document income and assets in order to get approval.
Jumbo Mortgage Experts
Competitive rates
Flexible qualification guidelines
Purchase or Cash Out Refinance
- Non QM Jumbo Loans
Your Trusted Florida Lender
We specialize in Jumbo mortgages in Florida up to $3,000,000, offering competitive rates and exceptional local customer service. We make obtaining a Jumbo home loans in Florida fast and hassle-free.
Non QM Jumbo Loans
1st Florida Mortgage offers a non-QM Jumbo private investor program that enables us to help more Jumbo borrowers. This mortgage program is a competitively priced product for borrowers who just miss qualifying under Prime Jumbo guidelines.
What is a Jumbo Home Loan?
A Jumbo home loan in Florida is a mortgage that exceeds the conforming loan limits set by the Federal Housing Finance Agency (FHFA) for Fannie Mae and Freddie Mac. Because these loans are larger than standard mortgages, they are not eligible for purchase or guarantee by these government-sponsored enterprises. As a result, Jumbo loans often come with stricter credit requirements, larger down payments, and sometimes higher interest rates compared to conforming loans.
More about Jumbo Home Loans in Florida
Jumbo mortgages tend to be used for large, single- family homes. While the underwriting process for Jumbo mortgages is similar to that of a conforming mortgage, the requirements differ slightly. The loan limits differ by counties in Florida due to the hight cost of average prices in some areas.
Please feel free to check the current jumbo loan rates on our website. We have Florida jumbo specialists on standby to help guide you through application for your new loan.
Jumbo Loans - Get Prequalified
Shawn Dulac
Sr. Loan Officer
NMLS #1320463
James Hair
Sr. Loan Officer
NMLS #1680348
Roman Balley
Production Manager
NMLS #2267211
Ryan Collins
Branch Manager
Speak to a Florida Jumbo Loan Expert
Our team of loan officers doe dozens of jumbo loans every month and will help get you qualified and into your dream home. Give us a call or apply online and we look forward to earning your business.
Is a Jumbo mortgage right for you? Jumbo mortgages are a great choice for more expensive properties – so if you’re buying a high end home in Florida then you will want to apply for a Jumbo loan. Can you afford high-end property but don’t have a big enough down payment saved up to bring the loan down to a conforming limit? Then a jumbo loan is probably your best option.
We are a preferred lender in Florida for FHA loans, VA loans, and USDA loans. Let us help make your Florida homeownership dreams a reality— start your journey with a trusted Florida lender with local customer service. Call today or apply online and we look forward to earning your business!
