Jumbo Loans
Financing for Tampa Bay’s higher priced homes.
When you need a jumbo loan
A jumbo loan is any mortgage above the conforming loan limit set each year by the Federal Housing Finance Agency. If you’re buying a waterfront home in Belleair, a luxury property on Clearwater Beach, or simply a larger home anywhere in Tampa Bay, you may need jumbo financing.
Why a broker matters for jumbo
Jumbo guidelines are set by each lender, not a single government agency, so pricing, reserve requirements and documentation rules vary widely. With access to 60+ lenders, Curtis can match your profile to the lenders who want your loan, including options for self employed borrowers and those with significant assets.
- Fixed and adjustable jumbo options
- Purchase, rate and term refinance, and cash out refinance
- Primary homes, second homes and many investment scenarios
- Alternative documentation options for business owners
Frequently asked questions
What is the conforming loan limit?
It changes every year and is higher in some high cost counties. Curtis will tell you the current limit for your county and whether a conforming high balance option could work instead.
Do jumbo loans require more reserves?
Usually yes. Lenders often want to see several months of payments in savings or investment accounts after closing. Requirements vary by lender.
This page is general information, not a commitment to lend or an offer of credit. Program availability, eligibility and terms depend on your credit, income, property and lender guidelines and are subject to change. Contact Curtis for options specific to you.
Not sure which loan fits?
That’s Curtis’s job. Answer a few quick questions and he’ll compare your options across 60+ lenders.