Financing for luxury and high-value properties that exceed conforming loan limits.
Jumbo loans are for loan amounts that exceed conventional conforming limits — $806,500 in most areas for 2025, and higher in high-cost markets. They're used to purchase high-end homes and luxury properties.
Because jumbo loans carry higher risk for lenders, they typically require stronger credit, larger down payments, and more substantial reserves. But with Rose's network, competitive jumbo rates are absolutely available.
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Jumbo loans finance everything above the conforming limit, with no theoretical upper cap — common in California's high-cost markets.
Most jumbo lenders want 700+ credit scores, with the best rates available for borrowers in the 720–780+ range.
Jumbo loans typically require 10–20% down. Some lenders allow less for highly qualified borrowers.
Jumbo lenders often require 6–18 months of mortgage payments in liquid reserves after closing.
Rose can arrange jumbo financing for all property types — including high-value primary residences, vacation homes, and investment properties.
Jumbo rate spreads vary significantly between lenders. Rose's network access means she can find meaningfully better pricing than going to a single bank.
Contact Rose today for a free, no-obligation consultation.