Florida’s luxury and coastal real estate markets frequently exceed conventional loan limits. From waterfront properties to high-rise condominiums, many buyers require financing that falls into Jumbo territory.
A Jumbo Loan is a mortgage that exceeds conforming loan limits set by government-sponsored entities. Because these loans are not conforming, underwriting standards are typically more detailed and documentation-driven.
I help Florida buyers structure Jumbo financing strategically — whether purchasing a primary residence, second home, or investment property.
A Jumbo Loan applies when your loan amount exceeds standard conforming limits.
Common characteristics include:
Higher loan amounts
More detailed income documentation
Strong credit profile requirements
Asset reserve requirements
Expanded review of debt-to-income ratios
Because Florida includes many high-value coastal and metro markets, Jumbo Loans are common across the state.
You’ll frequently see Jumbo financing in:
Miami and surrounding coastal communities
Naples and Southwest Florida
Palm Beach
Orlando luxury segments
Because Florida includes many high-value coastal and metro markets, Jumbo Loans are common across the state.
Florida attracts:
Full-time residents
Snowbirds purchasing second homes
Investors purchasing short-term or long-term rentals
Property use impacts:
Down payment requirements
Interest rate structure
Reserve requirements
Income qualification approach
We structure the loan based on how you intend to use the property — not just the price.
Jumbo underwriting often requires:
Two years of tax returns (for self-employed borrowers)
Detailed review of business income
Asset sourcing
Bonus and commission history (when applicable)
If you are self-employed, own multiple properties, or receive variable income, file preparation matters significantly.
Strategic upfront review can reduce delays during underwriting.
Jumbo Loans frequently require post-closing reserves.
Depending on loan size and property type, you may need several months of mortgage payments in verified liquid or retirement accounts.
Planning liquidity before making large transfers or purchases can strengthen your approval profile.
Florida’s high-value markets require precision.
I focus on:
Pre-approval clarity before property shopping
Asset positioning strategies
Condo review navigation
Coordinating with real estate professionals
Clear communication from application to closing
Luxury purchases should feel controlled and predictable — not uncertain.
If you’re considering a Jumbo Loan in Florida, we start with:
Reviewing income and asset structure
Confirming target price range
Identifying property use
Structuring pre-approval accordingly
From there, we build a financing plan aligned with your long-term goals.
I’m here to support you every step of the way. If you’re ready to turn your home financing goals into your new reality, let’s work together.
Originally from Harrisburg, Pennsylvania, I moved to Phoenix to attend Arizona State University and have proudly called Phoenix home ever since.
My journey into the mortgage industry began with a friend’s encouragement, who saw how my energy and people-first mindset could make a difference. He was right — I found my calling.
I’ve always embraced what makes me different. With ADHD as my secret weapon, I thrive in fast-paced, detail-heavy environments. I’ve built my career on clear communication, creative problem-solving, and putting clients first, always.
Outside of work, my greatest motivation is my wife and three amazing kids. I’d be honored to help guide you through your lending journey with care, clarity, and commitment.
Who we are
Our website address is: https://loansbylehrman.com/
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