When the home you want costs more than conventional limits allow, you need jumbo financing — and a lender who knows how to do it right. Competitive rates, flexible terms, and a process that respects your time. Up to $3.5M, LTV to 85%, condos welcome.
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Jumbo Programs
Whether you're buying, refinancing, or pulling equity out of a high-value property, we have a jumbo option built for it.
When does a loan become "jumbo"?
Conforming loan limits are set each year by the Federal Housing Finance Agency (FHFA). Any mortgage above that limit requires jumbo financing — it can no longer be sold to Fannie Mae or Freddie Mac. High-cost counties have higher conforming limits. If your loan amount exceeds the limit for your county, you're in jumbo territory.
$806,500
2025 Baseline Limit (Most Counties)
$1,209,750
2025 High-Cost County Limit
$3,500,000
FlexPoint Max Jumbo Loan
High-Value Purchases
Buying a luxury home, a premium property in a high-cost market, or a home that simply costs more than conforming limits allow? Our jumbo purchase program delivers competitive terms and a process that moves.
High-Value Homeowners
Lower your rate, shorten your term, or restructure your jumbo loan. If market rates have moved since you originally financed, now is the time to run the numbers.
Equity Access
High-value homes build substantial equity. A jumbo cash-out refinance lets you access that equity for home improvements, investments, debt consolidation, or any other purpose — at jumbo loan amounts.
Know Your Options
Not every loan above $806,500 is a jumbo. In high-cost counties, conforming high balance limits can reach $1,209,750 — and those loans carry different requirements than true jumbo. Here's how they compare.
Conforming Standard
Available in all counties. Most borrowers start here.
High-Cost Counties Only
Only available in FHFA-designated high-cost counties. Check your county limit with your loan officer.
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Required when loan exceeds conforming or high-balance limits. Stronger credit and income required.
The Process
Jumbo loans require more documentation than conforming loans — but the process is straightforward when you're working with a team that knows what they're doing.
We review your loan amount, property type, credit, and income. We'll confirm whether you're in jumbo territory and which program fits your situation best.
Most jumbo borrowers get a pre-approval decision within one business day. A strong pre-approval is essential in high-value real estate markets where sellers expect serious buyers.
Jumbo underwriting is more thorough — expect to document income, assets, and reserves more extensively. Two years of tax returns, W-2s, and 12 months of bank statements are standard.
High-value properties may require two appraisals depending on loan size and investor guidelines. We'll let you know upfront so there are no surprises on timeline or cost.
With a clean file and responsive communication from both sides, jumbo loans close on a timeline comparable to conforming loans. We keep the process moving.
We review your loan amount, property type, credit, and income. We'll confirm whether you're in jumbo territory and which program fits your situation best.
Most jumbo borrowers get a pre-approval decision within one business day. A strong pre-approval is essential in high-value real estate markets where sellers expect serious buyers.
Jumbo underwriting is more thorough — expect to document income, assets, and reserves more extensively. Two years of tax returns, W-2s, and 12 months of bank statements are standard.
High-value properties may require two appraisals depending on loan size and investor guidelines. We'll let you know upfront so there are no surprises on timeline or cost.
With a clean file and responsive communication from both sides, jumbo loans close on a timeline comparable to conforming loans. We keep the process moving.
Who This Is For
Jumbo borrowers come in all shapes — here's who typically benefits from our jumbo programs.
You're Buying Above Conforming Limits
Your target home costs more than $806,500 — or more than your county's high-balance limit. Jumbo is your only conventional path.
You're in a High-Cost Market
Buyers in coastal cities, major metros, and premium suburbs routinely need jumbo financing to purchase even median-priced homes in their area.
Your Credit Score Is 700 or Higher
Jumbo programs require stronger credit than conforming — 700 minimum. A higher score means better rates and terms on a larger loan.
You're Buying a Luxury Second Home
Vacation homes, lake houses, and coastal retreats often require jumbo financing. Our program allows second homes with competitive terms.
You're Buying a High-Value Condo
High-rise condos and luxury townhomes in premium buildings are eligible. We don't limit jumbo financing to detached single-family homes.
You Have Substantial Equity to Access
A cash-out refinance on a high-value property can unlock significant capital — for home improvements, investments, or other major financial goals.
The FlexPoint Difference
Nearly 30 years and over $5 billion funded. Here's what that experience means on your jumbo loan.
Tell us about your property and loan goals. We'll get back to you within 24 hours with a rate quote and pre-approval — no credit pull required to start.
By submitting this form, you consent to be contacted by FlexPoint Inc. regarding your inquiry. This is not a commitment to lend. All loans subject to credit approval. Restrictions apply. Some products may not be available in all states. FlexPoint Inc. NMLS #243082.
FAQ
The questions high-value buyers ask us most.
Licensed & Regulated
NMLS #243082 — fully licensed and compliant across all states where we operate.
Nearly 30 Years of Experience
In business since 1996 with over $5 billion in real estate loans funded.
Integrity & Transparency
Every member of this team is held to the same standard — honest advice, no pressure, real results.
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