Competitive rates for homes above $766,550. White-glove service from a direct lender, no bank markup.
We fund jumbo loans from our own capital, which means no bank review, no third-party conditions, no deals dying at the last minute. Just a direct decision, in-house, in 21 days.
Get Pre-Qualified →$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.
Comprehensive review including tax returns, assets, income verification, and credit history. We guide you through exactly what's needed for jumbo underwriting, nothing more, nothing less.
Receive your jumbo pre-approval for your specific amount. In high-end markets, sellers and agents want to see committed financing, your pre-approval letter from a direct lender carries real weight.
Search knowing you can close. In competitive high-end markets, pre-approved jumbo buyers win over those still "checking with their bank." Make strong offers on $1M+ properties and get accepted.
Our jumbo specialists handle every detail. In-house underwriting means no third-party delays, premium white-glove service from contract to keys on time, every time.
"Third property with Bedrock Mortgage. They understand HNW clients, portfolio lending, cross-collateralization, relationship-based pricing. Latest jumbo was 5.875% when JP Morgan Private Bank quoted 6.5%. Excellent for luxury real estate with complex financials."
"Waterfront estate in Naples, $2.4M purchase. Jumbo at 6.125% when most banks quoted 6.5–6.75%. Understood our situation, tech exit, complex income, and structured it perfectly."
"$1.65M home in Coral Gables, jumbo for $1.15M. Rate was 6.0%, closed in 28 days, fast for jumbo. Our loan specialist explained exactly what they needed and why. 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 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.