Loans above $766,550, funded from our own capital. The underwriter and the money are in the same building — decisions happen fast and don't fall apart at the last minute.
Get a jumbo rate quote
Tell us about your property.
This was my third closing with Bedrock Mortgage and at this point I don't really shop around anymore. They actually understand complex income situations, which most lenders say they do but clearly don't. Closed my latest jumbo at a rate that was meaningfully better than the next best quote I had. At this loan size, that difference adds up fast.
Robert C.Income looked complicated on paper the year we bought because of a business sale. Most lenders either couldn't figure it out or came back with rates that didn't make sense. Bedrock Mortgage worked through it, structured it cleanly, and came in lower than everyone else we talked to. We ended up with a waterfront place in Naples and I'm really happy with how the whole thing went.
David & Patricia K.Jumbo loans die at banks because too many people have to say yes. With us, the underwriter and the capital are in the same building. No committee, no third-party conditions, no deal falling apart at the last minute.
$1M, $2M, $5M and beyond. Waterfront, estates, luxury condos, no upper limit.
Jumbo doesn't mean expensive. Strong credit gets you the same competitive pricing.
Fixed or ARM options. Customize the structure to match your financial strategy.
Finance multiple high-value properties. Build your luxury portfolio without limits.
Jumbo underwriting is more thorough than conventional. We'll ask for tax returns, asset statements, and income documentation. Your loan officer walks you through exactly what's needed.
We issue a pre-approval for your specific purchase price. In high-end markets, sellers and listing agents want to see committed financing from a lender that actually closes.
With a jumbo pre-approval in hand, you can make strong offers on properties above the conventional loan limit without your financing being a question mark.
Our in-house underwriting and funding means no third-party delays. We handle all the coordination — appraisal, title, document collection — so you don't have to chase anyone down.
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 for 740+. Strong credit history, low DTI, and substantial assets are key to jumbo approval.
Jumbo loans typically require 10–20% down depending on loan amount and property type. Larger down payments (20%+) often qualify for better rates.
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→Takes about 10 minutes. No documents required upfront.
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