Solutions
Jumbo & Super Jumbo Loans
Financing above the conforming limit — handled with the discretion a high-value transaction deserves.
When a loan exceeds the conforming limit, it becomes a jumbo loan. These are not held by the agencies, so they are underwritten to each investor’s standards — which means expertise and relationships matter more than ever.
What to expect
- Stronger credit is typical — often 700 or higher.
- More reserves. Expect to show several months of payments in liquid assets, sometimes more.
- Fuller documentation of income and assets, matched to the size of the loan.
- Flexible structures — fixed, adjustable and interest-only options for the right borrower.
Super jumbo and complex files
Lexington writes jumbo and super jumbo financing into the tens of millions, including for borrowers whose wealth is real but whose income is complicated — business owners, investors, and those who qualify on assets rather than a W-2. A high-value transaction is often a complex one, and it is handled with discretion.
Pro tip
Asset-based qualification can turn a liquid balance sheet into qualifying income without forcing you to show a large salary. If your wealth is in your accounts rather than your paycheck, say so early.
Best fit: buyers of high-value homes, and strong borrowers whose income does not fit a simple box. Loans to $30M and beyond.
Common questions
Are jumbo rates always higher than conforming?
Not necessarily. For strong borrowers, jumbo pricing can be very competitive and sometimes rivals conforming. It depends on the investor, the structure and your profile.
Can I get a jumbo loan if I am self-employed?
Yes. Many jumbo borrowers are business owners. Between full-documentation, bank-statement and asset-based approaches, there is usually a path — the key is matching the method to your real financial picture.