How do I qualify for a jumbo loan in Florida?

Jumbo loans — above $806,500 in most Florida counties for 2025 — require strong credit (usually 700-plus), 10% to 20% down, a DTI generally under 43%, and cash reserves of several months.

Documentation is more thorough than conforming, and self-employed borrowers may use bank statement jumbo programs. We'll pre-position your file to meet jumbo guidelines so the larger loan moves smoothly.

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