Financing for Florida's higher-priced homes — from $766,551 to multi-million dollar properties.
Apply for a Jumbo Loans →A jumbo loan is any mortgage that exceeds the conforming loan limit set by Fannie Mae and Freddie Mac — currently $766,550 in most Florida counties (and up to $929,200 in high-cost areas like Miami-Dade). Because these loans cannot be sold to government-sponsored agencies, lenders set their own underwriting standards, which is why working with a broker who shops multiple jumbo lenders matters so much.
Finance properties from $766k to $5M+ — perfect for South Florida's coastal and gated community markets.
Many jumbo lenders accept bank statements, asset depletion, or P&L statements instead of tax returns — great for business owners.
Some jumbo programs offer 10-year interest-only periods — useful for buyers with variable income.
Special jumbo products available for international buyers purchasing Florida vacation or investment homes.
Some jumbo lenders go up to 90% loan-to-value — just 10% down on a $1M property.
Tap equity in your luxury Florida property for investment, renovation, or other needs.
Jumbo loans are best for buyers purchasing luxury Florida properties, second/vacation homes in expensive areas, or self-employed borrowers whose tax returns do not reflect their true income. The right jumbo lender can make a huge difference — rates and terms vary significantly between lenders.
Every situation is unique. The fastest way to know if this is the right loan for you is to talk to a licensed Divito Lending advisor — we will look at your full picture and recommend the loan type that actually fits.
In most Florida counties, loans above $766,550 are jumbo (2024). In high-cost counties like Miami-Dade, Monroe, and Collier, the conforming limit goes up to $929,200 before becoming jumbo.
Historically yes, but in recent years jumbo rates have often been LOWER than conforming rates because lenders compete heavily for jumbo borrowers (who typically have stronger profiles). We shop multiple jumbo lenders to find your best rate.
Absolutely. We work with multiple jumbo lenders that accept bank statements (12 or 24 months) instead of tax returns — perfect for business owners whose write-offs make their returns look smaller than their true income.
Not necessarily. Some jumbo programs allow as little as 5% down (with PMI). With 10%–15% down, you can avoid jumbo loan PMI altogether on many programs. Down payment requirements scale up for larger loan amounts.
Get pre-approved in minutes with no credit pull, or schedule a no-pressure conversation with a licensed Florida mortgage advisor.