Your Dream Home Deserves a Financing Experience to Match

What Is A Jumbo Loan?

Beyond Conventional Limits

When the home you want exceeds what conventional financing allows, a jumbo loan is the answer.

Conventional loans have a maximum loan limit set each year by the Federal Housing Finance Agency — in 2025, that limit is $806,500 in most U.S. markets, and higher in certain high-cost areas. Any loan that exceeds these limits is classified as a jumbo loan.

Jumbo loans are not backed by Fannie Mae or Freddie Mac, which means they come with their own set of guidelines — typically stricter credit requirements, larger down payments, and more thorough income documentation. They also offer something conventional loans can't — the financing power to purchase the home you actually want without compromise.

NuVue works with a network of investors and lenders who specialize in jumbo financing, giving our luxury clients access to competitive rates and flexible structures that a single-bank relationship simply can't match.

LOAN PROGRAMS

Luxury Financing Options

Every high-end buyer's situation is unique. Here are the programs we use most often to get them to the closing table.

Jumbo Adjustable-Rate Mortgages (ARMs)

For buyers who prefer a lower initial rate and have a defined time horizon — a planned sale or refinance within a set number of years — a jumbo ARM can offer meaningful savings. We'll run the numbers on both scenarios so you can make an informed decision.

Jumbo Fixed-Rate Loans

The most straightforward jumbo option — a fixed interest rate for the life of the loan. Ideal for buyers who value payment certainty and plan to stay in the home long term. Available in 15, 20, and 30-year terms.

Bank Statement Loans

Self-employed luxury buyers often show modest taxable income on paper despite strong cash flow. Bank statement loans use 12 to 24 months of personal or business bank statements to qualify income — no tax returns required. Ideal for business owners, entrepreneurs, and independent professionals.

Asset-Based / Asset Depletion Loans

For buyers with significant assets but non-traditional income — retired executives, investors, or those whose wealth is held in portfolios rather than paychecks — asset-based lending calculates qualifying income from your liquid assets rather than a W-2. A powerful tool for high-net-worth buyers who don't fit the traditional income documentation box.

Some luxury buyers — particularly those with multiple investment properties or complex financial profiles — are best served by portfolio loans, which lenders hold on their own books rather than selling to the secondary market. This allows for more flexible underwriting and creative structuring.

For international buyers purchasing U.S. luxury properties, foreign national loan programs provide a path to financing without requiring U.S. credit history or Social Security numbers. We work with lenders who specialize in this space.

Portfolio Loans

Foreign National Loans

What Can You Expect When You Work With Us?

Discretion Your financial information is handled with the same care and confidentiality you'd expect from any high-level professional relationship. We don't cut corners, and we don't talk.

Speed Without Sacrifice Luxury markets move fast. We're structured to move with them — pre-approvals within 24 to 48 hours, proactive communication throughout, and a team that anticipates what's needed before you have to ask.

Access to Multiple Lenders As a mortgage broker team, we're not limited to one bank's products or appetite for jumbo loans. We shop our network of investors and lenders on your behalf to find the most competitive rate and the most flexible terms for your specific profile.

Complex Income, No Problem Business owners, executives, investors, and retirees all have income structures that standard lenders struggle to underwrite. We specialize in finding the right program for buyers whose financial picture doesn't fit neatly into a box.

Experienced Guidance Jumbo loans have a lower margin for error than conventional loans — a misstep in the application process can cost time, money, and deals. Our loan officers have the experience to structure your file correctly from the start.

THE NUVUE LUXURY EXPERIENCE

Jumbo Loan Documentation

Luxury financing requires more thorough documentation than conventional loans. Here's what to expect — we'll walk you through everything on your consultation call.

WHAT YOU'LL NEED

• Government-issued photo ID

• Two years of federal tax returns — personal and business if applicable

• Two years of W-2s or 1099s

• Most recent 60 days of bank and asset statements

• Documentation of all real estate owned

• Proof of liquid reserves — typically 6 to 12 months of mortgage payments

• Business ownership documentation if self-employed

• Gift letter if any portion of the down payment is gifted
  

The exact documentation list varies by loan program and lender. If you use bank statement or asset-based qualifying, the list looks different — we'll tell you exactly what's needed from the start.

Luxury Buyer Questions, Answered

What is the minimum down payment for a jumbo loan?

Most jumbo loans require a minimum of 10% to 20% down depending on the loan amount, the lender, and your credit profile. Some programs allow as little as 10% down for well-qualified borrowers on loans up to $2 million. For larger loan amounts, 20% or more is typically required. We'll identify the programs that match your down payment preference.

What credit score do I need for a jumbo loan?

Most jumbo lenders require a minimum credit score of 700 to 720, with the most competitive rates typically reserved for scores of 740 and above. Some portfolio programs are more flexible. If your score is in a transitional period, we'll talk through timing and whether a brief credit optimization strategy makes sense before you apply.

Do jumbo loans have higher interest rates than conventional loans?

Historically jumbo rates ran slightly higher than conventional rates, but the gap has narrowed significantly in recent years and in some cases jumbo rates are actually lower. Because we work with multiple lenders, we're able to compare rates across our network rather than accepting whatever one institution offers.

Can I get a jumbo loan if I'm self-employed?

Absolutely — and this is one of our specialties. Self-employed buyers often face pushback from traditional lenders who focus narrowly on taxable income. We have access to bank statement programs, P&L-based qualifying, and asset depletion options that are specifically designed for business owners and entrepreneurs.

How much home can I finance with a jumbo loan?

Jumbo loan limits vary by lender, but most of our programs go up to $3 million and some go higher for exceptionally well-qualified borrowers. Super jumbo programs — typically defined as loans above $3 million — are also available through select lenders in our network.

Can I finance a second home or vacation property with a jumbo loan?

Yes. Second home and vacation property financing is available through jumbo programs, typically with slightly higher rates and reserve requirements than a primary residence. Investment property jumbo financing is also available. We'll structure the right scenario based on how you plan to use the property.

Let's Talk About Your Next Home

Luxury financing is not a one-size-fits-all conversation — and we wouldn't want it to be. Tell us about the home you have in mind and we'll put together a financing strategy built specifically around you.

Confidential. No obligation. No pressure.