Jumbo Loans
What is a jumbo loan in Florida?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
A jumbo loan is any mortgage above the conforming limit — $806,500 in most Florida counties for 2025. They're common for higher-priced homes in Miami-Dade, Palm Beach, and the coast.
Because they exceed agency limits, jumbos have tighter requirements: typically 10% to 20% down, strong credit, and cash reserves. Rates are often competitive with conforming loans. We'll structure the file to meet jumbo guidelines from the start.
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