JUMBO LOAN PROGRAM

Premium financing solutions for luxury and high-value home purchases

Loan Programs

Jumbo Loan Program

A high-value mortgage solution designed for qualified borrowers purchasing or refinancing properties that require loan amounts above standard conforming limits.

Program Overview

The Jumbo Loan Program is designed for qualified borrowers who need financing beyond standard conforming loan limits. This program can be a strong fit for clients purchasing or refinancing higher-value homes, luxury properties, or homes in high-cost markets where traditional loan limits may not meet the borrower’s financing needs.

Program Features

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Designed for qualified borrowers needing larger loan amounts above standard conforming limits.

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Can support eligible purchase and refinance scenarios.

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A strong option for higher-priced homes, luxury properties, and high-cost market purchases.

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May be available for eligible primary residence, second home, or investment property scenarios.

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Designed for borrowers with strong credit, income, assets, and overall financial strength.

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Can be reviewed with a loan officer based on loan amount, occupancy, property type, credit, income, assets, and reserves.

Why Choose This Program?

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Helps qualified borrowers finance higher-value properties with a jumbo loan structure.

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Can provide a practical option when standard conforming or high-balance loan limits are not enough.

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Supports buyers and homeowners with larger financing needs and strong borrower profiles.

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Gives realtors another strong solution for clients purchasing luxury or higher-priced properties.

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Creates a clear conversation around documentation, reserves, property type, and best-fit loan structure.

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May help borrowers access the financing capacity needed for competitive high-value real estate markets.

Who This Program Is Great For?

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Borrowers purchasing homes that require loan amounts above standard conforming limits.

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Homeowners refinancing larger mortgage balances or higher-value properties.

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Clients buying in luxury, high-cost, or higher-priced property markets.

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Qualified borrowers with strong credit, income, assets, and reserves.

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Buyers who need a larger mortgage request reviewed through a specialized loan option.

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Realtors working with clients who need jumbo financing guidance for higher-value properties.

Download Loan Program

Preview the loan program sheet and download the full Jumbo Loan Program details instantly.

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Access the co-branded version to share this Jumbo Loan Program with your clients and referral partners.

Need Help Structuring a Jumbo Loan?

Connect with a loan officer to review your borrower scenario, property goals, loan amount, and best next step.

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Jumbo Loans at a Glance

Quick answer: A jumbo loan finances a purchase or refinance above conforming loan limits. TAG's jumbo program offers up to 90% LTV, a 700 minimum FICO and loan amounts up to $5M, subject to underwriting and investor guidelines. Last reviewed: November 2026.

90%
Max LTV
700
Min. FICO
$5M
Max loan amount
Jumbo
Above conforming limits

More Jumbo Loan Details

  • Primary residence, second home and investment options, by program
  • Condo financing available, subject to project eligibility
  • Maximum LTV decreases as loan amount and occupancy risk increase
  • Terms, LTV and eligibility vary by investor, occupancy, property type and loan size

Jumbo Loan FAQs

What is a jumbo loan?

A mortgage with a loan amount above the conforming loan limit set by the FHFA, so it cannot be purchased by Fannie Mae or Freddie Mac and follows investor guidelines instead.

What are the LTV, credit score and loan amount limits for jumbo loans?

TAG's jumbo program offers up to 90% LTV, a 700 minimum FICO and loan amounts up to $5M. Final limits depend on the investor, occupancy, property type and loan size.

Can I use a jumbo loan for a condo?

Often yes, subject to project eligibility and investor review. TAG also maintains an approved condo list to help screen projects early.

Can I use a jumbo loan for a second home or investment property?

Many jumbo options allow second homes and investment properties, usually at lower maximum LTVs than primary residences. Investors may also review DSCR options.

Can mortgage brokers submit jumbo loans to TAG?

Yes. Licensed brokers can submit jumbo files through TAG's wholesale channel in the states where TAG is licensed as a lender. No approval or closing date is guaranteed.

Jumbo Loan FAQ

What is a jumbo loan?

A jumbo loan is a mortgage above the conforming loan limit the FHFA sets for the county. It is used to buy or refinance higher-value homes and condos.

Can I get a jumbo loan on a Miami condo?

Yes, subject to a review of the condo project. For buildings that are non-warrantable, TAG Lending Group also offers non-warrantable condo and condotel programs, and investor purchases can close in an LLC. See Miami jumbo condo loans.

Can self-employed buyers or foreign nationals get a jumbo loan?

Yes. Non-QM jumbo options can qualify self-employed borrowers with bank statements, and foreign national programs do not require a U.S. credit score. Terms vary by investor. TAG Lending Group (NMLS #2329372) lends in FL, GA, MI, NM, OH, SC, TN and TX.

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