Big Home. Bigger Options.
Buying, refinancing or tapping equity on a home above the conforming limit? Answer a few quick questions and we'll shop your scenario across conventional and Non-QM jumbo lenders: full-doc, bank statement, asset-based and DSCR.
Which Path Fits Your Goal?
Jumbo Purchase
- Primary, second home or investment
- Above your county's conforming limit
- Full-doc, bank statement or asset options
- Pre-approval before you write an offer
Jumbo Refinance
- Take cash out for your next move
- Restructure your loan or term
- Remove a co-borrower after a life change
- Self-employed? Skip the tax returns
Jumbo HELOC
- Leave your current first mortgage alone
- Draw only what you need
- Primary, second homes and rentals
- Bank statement qualifying available
- 620 minimum credit score
- 2nd mortgages available*
*2nd mortgages are available, but are subject to LTV and guideline restrictions.
Above the Limit. Beyond Conventional.
A jumbo loan is any mortgage above the conforming loan limit set each year by the Federal Housing Finance Agency (FHFA). For 2026, the baseline limit is $832,750 in most U.S. counties, and up to $1,249,125 in designated high-cost areas. Anything above your county's limit needs jumbo financing.
Because Fannie Mae and Freddie Mac can't buy these loans, each lender sets its own guidelines. That's exactly why a broker matters: the right lender for a W-2 physician is rarely the right lender for a business owner, a retiree living on assets or an investor buying a short-term rental.
Mortgage Houz LLC shops all three categories for you: conventional full-doc jumbo, Non-QM bank statement and asset jumbo, and jumbo DSCR for investors.
2026 Conforming Limits
Source: FHFA 2026 conforming loan limits. Limits are set by county and updated annually.
Three Program Types. One Expert Team.
We match your borrower profile to the right jumbo category, whether you're a W-2 earner, a self-employed business owner or a real estate investor.
Conventional Full-Doc Jumbo
- Physicians, executives, attorneys
- Two years of documented income
- Primary, second home and investment
- Fixed and adjustable options
Bank Statement & Asset Jumbo
- 12–24 months of bank statements, no tax returns
- Asset-qualifier for retirees and investors
- LLC and entity closings on select programs
- Interest-only options on select programs
Jumbo DSCR
- Qualify on the property's rent
- No personal income documents
- Long-term and short-term rentals
- Close in your LLC
What To Have Ready.
Jumbo files carry more documentation than conforming loans. Here's what each program typically asks for.
| Item | Full-Doc Jumbo | Bank Statement / Asset Jumbo | Jumbo DSCR |
|---|---|---|---|
| Income | W-2s, tax returns, pay stubs | 12–24 months bank statements or asset statements | None: property rent qualifies |
| Assets | Recent bank & investment statements | Statements for reserves and funds to close | Funds to close + reserves |
| Business | Not required | CPA letter or business license | LLC operating agreement (if vesting in entity) |
| Property | Contract or title, appraisal, insurance | Contract or title, appraisal, insurance | Appraisal with rent schedule, lease or STR history |
| Best for | Salaried professionals | Business owners, retirees, high net worth | Real estate investors |
Built for Borrowers Outside the Box
💼 W-2 Professionals
Physicians, executives and attorneys buying above the conforming limit.
🧾 Business Owners
Strong cash flow, heavy write-offs. Bank deposits qualify you, not your tax returns.
💎 Retirees & High Net Worth
Use eligible savings and investment balances as qualifying income.
🏘️ Investors
Qualify on the property's rent with jumbo DSCR, closing in your LLC.
Get Your Options In 3 Steps
Take the Survey
Two minutes, no credit pull. Tell us about the property and your goal: purchase, refinance or HELOC.
We Shop Your File
We compare your scenario across conventional and Non-QM jumbo lenders to find the strongest fit.
Get Your Game Plan
A licensed loan officer walks you through options, documents and next steps. No pressure.
Jumbo Loan FAQs
What counts as a jumbo loan in Florida?
A jumbo loan is any mortgage above the conforming loan limit for the county where the home is located. For 2026, the FHFA baseline limit is $832,750 in most U.S. counties, with higher limits (up to $1,249,125) in designated high-cost areas. If your loan amount is above the county limit, it's a jumbo loan. We confirm the exact limit for your file using the FHFA county table.
I'm self-employed and write off a lot of income. Can I qualify?
Yes. Bank statement jumbo programs use 12 to 24 months of business or personal deposits to calculate income instead of your tax returns, so your real cash flow counts, not your taxable income.
Can I get a jumbo HELOC without refinancing my first mortgage?
Often, yes. A HELOC on a high-value home lets you access equity while keeping your current first mortgage in place. HELOCs require a minimum 620 credit score. 2nd mortgages are also available, but are subject to LTV and guideline restrictions. Availability, line amounts and qualifying rules vary by lender, so we compare several for your scenario.
Can I use a jumbo loan for a second home or investment property?
Yes. Jumbo financing is available for primary residences, second homes and investment properties. If the home will be rented, a jumbo DSCR loan qualifies on the property's rent instead of your personal income.
Does the survey affect my credit score?
No. The survey does not pull your credit. A licensed loan officer reviews your answers first, and your credit is only checked with your permission if you decide to move forward.
Jumbo Loans By County
Local guides for Florida's top jumbo markets. Don't see yours? We serve all of Florida.
Ready to Finance Your Next Luxury Home?
No obligation. No credit pull to start. Straight answers from a Florida broker who shops jumbo lenders for you.
Start My 2-Minute Survey →Credit or Income Holding You Back? More Ways to Use Your Equity.
Beyond our traditional HELOCs (620 minimum credit score), we now offer two options built for homeowners the banks turn away.
No Monthly Payments. Credit Scores From 500.
Get a lump sum today in exchange for a share of your home's future value. No income or employment requirement. Owner-occupied primary residences.
See how it works →Qualify on a Capped Payment.
Built for retirees and fixed-income homeowners. Qualify on a capped payment instead of the full HELOC payment. 1st or 2nd lien.
See program details →Home Equity Investment: not a loan or a HELOC. Cash in exchange for a share of your home's future value; no monthly payments. The amount due at settlement depends on your home's value and may be substantially more than the amount received. Fees are deducted from funding. 500 minimum credit score; owner-occupied primary residences only. Flexible-Payment HELOC: 650 minimum credit score; primary residences only. Minimum payments may not cover all accrued interest; unpaid interest is added to the balance, resulting in a balloon payment at the end of the term or upon payoff. Minimum initial draw required. Variable rate. Not available in all states. Subject to approval and program guidelines. Traditional HELOCs require a minimum 620 credit score.