Competitive rates for homes above $766,550. White-glove service.
$1M, $2M, $5M and beyond. No upper limit — luxury homes, waterfront, estates.
Jumbo doesn't mean expensive. Strong credit gets you the same competitive pricing.
Fixed or ARM options available. Customize the structure to match your financial strategy.
We fund and service your loan in-house. Faster decisions and more flexibility than bank underwriting.
Finance multiple high-value properties. Build your luxury real estate portfolio without limits.
Dedicated jumbo specialists handle your file from start to finish. Premium service for premium properties.
Comprehensive financial review including tax returns, assets, income verification, and credit history. We'll guide you through exactly what's needed.
Receive your jumbo pre-approval for your specific loan amount. Shop with confidence knowing your financing is secured.
Search for luxury properties with your pre-approval letter. Make strong offers in competitive high-end markets.
Experience streamlined closing with our jumbo specialists. Premium service ensures a smooth transaction from contract to keys.
"Waterfront estate in Naples, $2.4M purchase. Jumbo loan for $1.68M (30% down). Rate 6.125% when most banks were quoting 6.5-6.75% for jumbo. Payment is $13,600/month but the property is stunning and the process with Bedrock Mortgage was as smooth as it gets. Their jumbo specialist understood our situation (tech exit, complex income sources) and structured it perfectly. Worth every penny of the $30k origination fee."
"Third property with Bedrock Mortgage. Primary home in Palm Beach ($3.1M), vacation home in Aspen ($1.8M), now a Miami condo ($1.2M). They understand HNW clients. Portfolio lending, cross-collateralization options, relationship-based pricing. Latest jumbo was 5.875% when JP Morgan Private Bank quoted 6.5%. They know how to work with complex financial situations (K-1 income, stock comp, trusts). Excellent for luxury real estate."
"$1.65M home in Coral Gables. Jumbo loan for $1.15M, 30% down ($495k). We're both physicians with W2 income plus side businesses. Documentation was intense - 2 years tax returns, 3 months bank statements, investment account statements, 401k balances, you name it. But our loan specialist explained exactly what they needed and why. Rate was 6.0%. Payment is $7,890/month. Process took 28 days which is fast for jumbo. Impressed with the professionalism."
Jumbo loans exceed the conforming loan limit of $766,550 in most counties. In high-cost areas, the limit may be higher. If you're financing a luxury property above these amounts, you'll need a jumbo loan.
Most jumbo loans require a minimum credit score of 700, with the best rates reserved for scores of 740 or higher. Strong credit history, low debt-to-income ratio, and substantial assets are important for jumbo loan approval.
Jumbo loans typically require 10-20% down depending on the loan amount and property type. Larger down payments (20%+) often qualify for better rates. We can discuss options based on your specific situation.
Get personalized jumbo loan rates for your high-value property.
Premium service for exceptional homes.