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JUMBO LOANS
FINANCING FOR LUXURY & HIGH-VALUE HOMES BEYOND CONVENTIONAL LIMITS
A Jumbo Loan is a non-conforming mortgage designed for homebuyers who need financing above conventional loan limits. Whether you're purchasing a luxury home, an investment property, or a high-cost residence, Jumbo Loans provide the financing you need with competitive rates and flexible terms.
JUMBO LOANS
FINANCING FOR LUXURY & HIGH-VALUE HOMES BEYOND CONVENTIONAL LIMITS
A Jumbo Loan is a non-conforming mortgage designed for homebuyers who need financing above conventional loan limits. Whether you're purchasing a luxury home, an investment property, or a high-cost residence, Jumbo Loans provide the financing you need with competitive rates and flexible terms.
READY TO BEGIN YOUR LOAN APPLICATION?
WHY CHOOSE A JUMBO LOAN?
• Higher Loan Limits – Finance homes exceeding $806,500 (2025 limit, varies by location)
• Competitive Interest Rates– Low rates despite larger loan amounts
• Flexible Loan Terms – Choose between fixed and adjustable-rate options
• No Private Mortgage Insurance (PMI) – Save on monthly costs with 20% down
• Primary, Secondary & Investment Properties – Flexible usage options
JUMBO LOAN QUALIFICATIONS
• Minimum credit score of 700+
• Down payment of at least 10%-20% (varies by lender)
• Stable income & strong financial profile
• Low debt-to-income (DTI) ratio (typically below 43%)
• Cash reserves required (often 6-12 months of payments)
READY TO BEGIN YOUR LOAN APPLICATION?
WHY CHOOSE A JUMBO LOAN?
• Higher Loan Limits – Finance homes exceeding $806,500 (2025 limit, varies by location)
• Competitive Interest Rates– Low rates despite larger loan amounts
• Flexible Loan Terms – Choose between fixed and adjustable-rate options
• No Private Mortgage Insurance (PMI) – Save on monthly costs with 20% down
• Primary, Secondary & Investment Properties – Flexible usage options
JUMBO LOAN QUALIFICATIONS
• Minimum credit score of 700+
• Down payment of at least 10%-20% (varies by lender)
• Stable income & strong financial profile
• Low debt-to-income (DTI) ratio (typically below 43%)
• Cash reserves required (often 6-12 months of payments)
STEP-BY-STEP JUMBO LOAN PROCESS
STEP-BY-STEP JUMBO LOAN PROCESS
1. Apply in Minutes
Simple online application
2. Get Pre-Approved
Know your budget before house hunting
3. Choose Your Loan Terms
Fixed or adjustable-rate mortgage options
4. Underwriting & Appraisal
Comprehensive evaluation for approval
5. Close & Move In
Hassle-free luxury home financing
1. Apply in Minutes
Simple online application
2. Get Pre-Approved
Know your budget before house hunting
3. Choose Your Loan Terms
Fixed or adjustable-rate mortgage options
4. Underwriting & Appraisal
Comprehensive evaluation for approval
5. Close & Move In
Hassle-free luxury home financing
ADVANTAGES OF A JUMBO LOAN
ADVANTAGES OF A JUMBO LOAN
Finance High-Value Homes – Loan amounts exceed conventional limits
No PMI with 20% Down – Lower monthly costs
Flexible Loan Terms – Fixed & adjustable-rate options available
Use for Various Properties – Primary homes, vacation homes, or investment properties
Higher Loan-to-Value Ratios Available – Lower down payment options for strong borrowers
Fast Processing & Approval – Work with experienced Jumbo Loan specialists
Finance High-Value Homes – Loan amounts exceed conventional limits
No PMI with 20% Down – Lower monthly costs
Flexible Loan Terms – Fixed & adjustable-rate options available
Use for Various Properties – Primary homes, vacation homes, or investment properties
Higher Loan-to-Value Ratios Available – Lower down payment options for strong borrowers
Fast Processing & Approval – Work with experienced Jumbo Loan specialists
JUMBO LOAN VS. CONVENTIONAL LOAN- WHICH IS RIGHT FOR YOU?
JUMBO LOAN VS. CONVENTIONAL LOAN- WHICH IS RIGHT FOR YOU?
FEATURE
JUMBO LOAN
CONVENTIONAL LOAN
LOAN LIMIT
ABOVE $806,500 (VARIES BY AREA)
UP TO $806,500 (2025 LIMIT)
CREDIT SCORE
700+
620+
DOWN PAYMENT
10%-20%
3%-20%
MORTGAGE INSURANCE
NOT REQUIRED WITH 20% DOWN
REQUIRED IF <20% DOWN
DEBT-TO-INCOME RATIO
43% OR LOWER
LOWER PREFERRED
FEATURE
JUMBO LOAN
CONVENTIONAL LOAN
LOAN LIMIT
ABOVE $806,500 (VARIES BY AREA)
UP TO $806,500 (2025 LIMIT)
CREDIT SCORE
700+
620+
DOWN PAYMENT
10%-20%
3%-20%
MORTGAGE INSURANCE
NOT REQUIRED WITH 20% DOWN
REQUIRED IF <20% DOWN
DEBT-TO-INCOME RATIO
43% OR LOWER
LOWER PREFERRED
WHY CHOOSE US FOR YOUR JUMBO LOAN?
WHY CHOOSE US FOR YOUR JUMBO LOAN?
At Trust Lending, we specialize in high-value home financing with competitive rates and customized loan solutions. Our experienced team ensures a smooth, hassle-free experience from pre-approval to closing.
• Personalized Jumbo Loan Solutions – Tailored to your financial profile
• Expert Guidance – Work with experienced Jumbo Loan specialists
• Fast & Smooth Approvals – Simplified underwriting process
• Technology-Driven Service – Secure, efficient digital experience
• Trusted Experience – Over 20 years in mortgage lending
At Trust Lending, we specialize in high-value home financing with competitive rates and customized loan solutions. Our experienced team ensures a smooth, hassle-free experience from pre-approval to closing.
• Personalized Jumbo Loan Solutions – Tailored to your financial profile
• Expert Guidance – Work with experienced Jumbo Loan specialists
• Fast & Smooth Approvals – Simplified underwriting process
• Technology-Driven Service – Secure, efficient digital experience
• Trusted Experience – Over 20 years in mortgage lending
LEARN MORE ABOUT JUMBO LOANS
LEARN MORE ABOUT JUMBO LOANS
What Is a Jumbo Loan?
A Jumbo Loan is a mortgage that exceeds the conventional loan limit set by Fannie Mae and Freddie Mac. These loans allow borrowers to finance high-value properties that require larger loan amounts than standard conforming loans.
A Brief History of Jumbo Loans
Jumbo Loans were created to support high-cost housing markets where standard loan limits were insufficient. Today, they play a crucial role in luxury real estate, investment properties, and high-value home financing.
Types of Jumbo Loans
• Fixed-Rate Jumbo Loan – Stable payments with a fixed interest rate
• Adjustable-Rate Jumbo Loan (ARM) – Lower initial rates with future adjustments
• Interest-Only Jumbo Loan – Lower payments for the first few years, then principal payments begin
• Jumbo Cash-Out Refinance – Access home equity for other investments
What Is a Jumbo Loan?
A Jumbo Loan is a mortgage that exceeds the conventional loan limit set by Fannie Mae and Freddie Mac. These loans allow borrowers to finance high-value properties that require larger loan amounts than standard conforming loans.
A Brief History of Jumbo Loans
Jumbo Loans were created to support high-cost housing markets where standard loan limits were insufficient. Today, they play a crucial role in luxury real estate, investment properties, and high-value home financing.
Types of Jumbo Loans
• Fixed-Rate Jumbo Loan – Stable payments with a fixed interest rate
• Adjustable-Rate Jumbo Loan (ARM) – Lower initial rates with future adjustments
• Interest-Only Jumbo Loan – Lower payments for the first few years, then principal payments begin
• Jumbo Cash-Out Refinance – Access home equity for other investments
Trust Lending General Information
Corporate Office
Trust Mortgage Lending Corporation
8600 NW 36th St Suite 101 Doral, FL, 33166
+1 888 884 1160
info@trustlending.net
NMLS #204041
Colorado Office
Trust Mortgage Lending Corporation
8400 E Prentice Ave
Suite 1500
Greenwood Village, CO 80111
+1 888 884 1160
Tampa Office
Trust Mortgage Lending Corporation
8593 W. Linebaugh Ave
Tampa, FL 33625
+1 888 884 1160
Lic #2253533
Oregon Office
Trust Mortgage Lending Corporation
8130 SW Beaverton-Hillsdale Hwy
Portland, OR 97225
+1 888 884 1160
Lic #204041
California Office
LG Mortgage Lending Solutions
9350 Willshire Blvd
Suite 203
Beverly Hills, CA 90212
+1 888 884 1160
Lic #41DBO-108370
Helpful Links
Texas Office
Trust Mortgage Lending Corporation
700 Louisiana St
Suite 3950
Houston, TX 77002
+1 888 884 1160
NMLS #1513406
Services
©2025 Trust Mortgage Lending NMLSR ID 204041
Disclaimer: Trust Lending is not a chartered bank or trust company, or depository institution.
It is not authorized to accept deposits or trust accounts.
Trust Lending General Information
Corporate Office
Trust Mortgage Lending Corporation
8600 NW 36th St Suite 101 Doral, FL, 33166
+1 888 884 1160
info@trustlending.net
NMLS #204041
Tampa Office
Trust Mortgage Lending Corporation
8593 W. Linebaugh Ave
Tampa, FL 33625
+1 888 884 1160
Lic #2253533
Texas Office
Trust Mortgage Lending Corporation
700 Louisiana St
Suite 3950
Houston, TX 77002
+1 888 884 1160
NMLS #1513406
California Office
LG Mortgage Lending Solutions
9350 Willshire Blvd
Suite 203
Beverly Hills, CA 90212
+1 888 884 1160
Lic #41DBO-108370
Colorado Office
Trust Mortgage Lending Corporation
8400 E Prentice Ave
Suite 1500
Greenwood Village, CO 80111
+1 888 884 1160
Oregon Office
Trust Mortgage Lending Corporation
8130 SW Beaverton-Hillsdale Hwy
Portland, OR 97225
+1 888 884 1160
Lic #204041
Services
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VA Loans
Jumbo Loans
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Helpful Links
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NMLS Consumer Access
©2025 Trust Mortgage Lending NMLSR ID 204041
Disclaimer: Trust Lending is not a chartered bank or trust company, or depository institution.
It is not authorized to accept deposits or trust accounts.