Jumbo Loans
What is a jumbo loan?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
A jumbo loan exceeds the conforming limit — $806,500 in most Florida counties for 2025 — so it can't be sold to Fannie Mae or Freddie Mac. Lenders set their own tighter guidelines.
Jumbos require strong credit, larger down payments, and cash reserves, but rates are often competitive. We'll structure your file to meet jumbo standards from the outset.
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