Loans above $766,550, funded from our own capital. One underwriter, one decision, no bank committee reviewing your file.
Get a jumbo rate quote
Tell us about your property.
"Third closing with Bedrock Mortgage at this point. They understand what high-net-worth buyers actually need: complex income, portfolio assets, the full picture. Latest jumbo closed at 5.875% when JP Morgan Private Bank was quoting 6.5%. That's not a small difference at this loan size."
"Waterfront place in Naples, $2.4M. We had a tech exit the year before so income looked unusual on paper. Bedrock structured it cleanly, 6.125% when every other lender we talked to was quoting 6.5 to 6.75%."
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.
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.
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.