Super Jumbo Loans

iFinance Florida

Why High-End Buyers Trust iFinance Florida for Super Jumbo Financing
At iFinance Florida, we specialize in financing luxury real estate and unique high-value properties—deals that require more than a traditional jumbo loan. Our Super Jumbo programs cater to clients borrowing $2 million and up, with the tailored attention, strategic structuring, and lending relationships needed to close complex transactions seamlessly. When the stakes are high, our expertise becomes your advantage.

What Is a Super Jumbo Loan?
A Super Jumbo Loan is a mortgage that exceeds typical jumbo thresholds—generally starting at $2 million and going as high as $20 million or more, depending on the lender. These loans are typically held in private lender portfolios and are not subject to the guidelines of Fannie Mae or Freddie Mac. Because of their size, they come with tighter credit, income, and reserve requirements—but also offer customization that traditional products can’t.

Who Qualifies for a Super Jumbo Loan?
Super Jumbo loans are geared toward high-net-worth individuals, business owners, foreign nationals, and luxury home buyers. Borrowers typically need a credit score of 720+, significant assets (often with 12–24 months of reserves), and verifiable income streams. However, many lenders will work creatively with non-traditional documentation, including asset depletion models or business financials for self-employed clients.

Why These Loans Require Elite-Level Structuring
With larger loan amounts come more scrutiny, tighter timelines, and higher expectations. Whether it’s handling restricted stock, navigating trust income, or structuring loans for primary vs. investment use, every detail matters. A misstep in underwriting can cause costly delays—so precision and experience are non-negotiable.

We Specialize in Complexity, Confidentiality, and Closing Power
Our Super Jumbo lending network includes private banks, portfolio lenders, and boutique financing groups. We know which lenders are flexible on reserves, who will underwrite complex tax returns, and how to get exceptions approved. And because our process is discreet, efficient, and tailored—you get concierge-level service from start to finish.

Let’s make your next luxury property move effortless.
Schedule a private consultation with our executive lending team. We’ll design a Super Jumbo solution that protects your privacy, supports your goals, and reflects the level of sophistication your transaction deserves.

Key Features and Benefits:

  • Exceptional Loan Limits: Super Jumbo Loans exceed the conforming loan limits set by Fannie Mae and Freddie Mac, offering financing starting at $1 million and extending up to $10 million for luxury properties.
  • Tailored for High-Value Purchases: Specifically designed for upscale homebuyers and exclusive properties in premium neighborhoods.
  • Rigorous Qualification Standards: Borrowers must meet stringent criteria, including excellent credit scores, robust income verification, and significant down payments, ensuring a streamlined approval process for high-value transactions.
  • Flexible Interest and Terms: Enjoy personalized negotiation of interest rates and repayment options, including interest-only payments and customized amortization schedules.

At iFinance Florida, we redefine luxury financing by delivering bespoke solutions and unparalleled service for our most discerning clients. Trust us to help you navigate the complexities of high-value property financing with ease and confidence.

 

Apply Today!