Loans above $766,550, funded from our own capital at closing. One loan officer manages your file start to finish, so decisions happen fast and don't fall apart at the last minute.
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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 and no one owns the file. With us, one loan officer manages your file from application to closing, and we fund it ourselves once it's cleared.
$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.
Because we fund from our own capital, we handle all the coordination (appraisal, title, document collection) ourselves, 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.
Not always. Jumbo rates can be comparable to or even lower than conventional rates, since jumbo loans aren't sold to Fannie Mae or Freddie Mac. Because we fund from our own capital and specialize in jumbo lending, we can often price competitively even at larger loan amounts.
Yes. Self-employed borrowers can qualify for jumbo loans using tax returns, bank statements, or asset-based programs. Strong reserves and a solid credit profile matter more at the jumbo level, so we'll walk through the best documentation path for you.
Most jumbo programs require 6 to 12 months of mortgage payments in reserves, held in liquid accounts. Larger loan amounts or lower credit scores may require more. We'll confirm the exact reserve requirement for your loan amount.