Whether you're purchasing a luxury primary residence, a high-end second home, or a premium investment property — MortgageHouz gives you access to the nation's most flexible jumbo loan programs. Full-doc, bank statement, asset depletion, and DSCR. Conventional and Non-QM.
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A jumbo loan is any mortgage that exceeds the conforming loan limits set annually by the Federal Housing Finance Agency (FHFA). For 2026, that baseline limit is $832,750 in most U.S. counties, and up to $1,249,125 in designated high-cost areas. Anything above those thresholds requires jumbo financing.
Because jumbo loans cannot be purchased by Fannie Mae or Freddie Mac, lenders hold them on their own balance sheets or sell them to private investors. That means each lender sets its own standards — and qualification requirements are meaningfully stricter than conventional conforming loans.
MortgageHouz gives you access to three distinct program categories: Conventional Full-Doc Jumbo for W-2 earners and fully documented borrowers, Non-QM Bank Statement & Asset Jumbo for self-employed and high-net-worth borrowers, and Non-QM Jumbo DSCR for investment property financing without personal income documentation.
We match your borrower profile to the right jumbo program — whether you're a W-2 earner, a self-employed business owner, or a real estate investor.
Every borrower profile is different. Here's how our three jumbo program categories compare across the key qualification factors.
| Factor | Conventional Full-Doc | Non-QM Bank Stmt / Asset | Non-QM DSCR |
|---|---|---|---|
| Income Documentation | W-2, tax returns, pay stubs (2 yrs) | Bank statements or asset statements — no tax returns | None required — property income only |
| Min Credit Score | 700+ (740+ for best rates) | 660–680+ | 660–680+ |
| Min Down Payment | 10% (20% most common) | 10–20% | 20–25% |
| Max DTI | 43–45% | 45–50% | Not applicable |
| Cash Reserves | 6–24 months PITI | 6–12 months PITI | 3–12 months PITI |
| PMI Required | No | No | No |
| Max Loan Amount | $20M+ | Up to $6M+ | Up to $20M+ |
| Interest-Only Option | Select programs | Yes — widely available | Yes — widely available |
| LLC / Entity Closing | Typically No | Some programs | Yes — standard |
| Primary Residence | Yes | Yes | No — investment only |
| Second Home | Yes | Yes | No |
| Investment Property | Yes | Yes | Yes — primary use |
| Self-Employed Friendly | Depends on returns | Yes — primary use case | Yes — no income needed |
| Closing Timeline | 45–60 days | 30–45 days | 30–45 days |
MortgageHouz's jumbo programs are designed for clients who have the income and assets to afford luxury properties — but whose financial profiles don't fit inside the conventional cookie-cutter mold.
Jumbo loans require more documentation than conforming loans. Here's exactly what to prepare — by program type.