Jumbo Loans
Prime Jumbo Loans in Florida – Tailored Financing for High-Value Properties
Summary:
Jumbo loans are the go-to solution for financing luxury homes and high-value properties that exceed the conforming loan limits set by the Federal Housing Finance Agency (FHFA). In Florida, where premium real estate is in high demand, jumbo mortgages offer flexible financing options for high-net-worth individuals, investors, and self-employed borrowers. Ferrari Lending provides customized jumbo loan solutions up to $30 million with competitive terms, interest-only options, and alternative documentation programs like bank statement loans.
What Is a Jumbo Loan and Who Needs It?
A jumbo loan is a mortgage that surpasses the FHFA's conforming limit—$766,550 in most Florida counties as of 2025. These loans are essential for financing properties in luxury markets such as Boca Raton, Miami Beach, Naples, and Palm Beach, where home prices routinely exceed conventional limits. Unlike conforming loans, jumbo loans are not eligible for purchase by Fannie Mae or Freddie Mac, which means they come with stricter underwriting but greater customization.
Why Ferrari Lending for Jumbo Mortgages?
At Ferrari Lending, we specialize in high-balance lending solutions designed for unique financial profiles. Whether your client is a self-employed business owner, a foreign national investor, or purchasing a luxury second home, we offer:
- Loan amounts up to $30M+
- Up to 90% financing on purchases
- Bank statement and asset-based qualification
- Fixed, ARM, and interest-only terms
- Loans for unique and non-warrantable properties
Flexible Terms for Sophisticated Borrowers
Our jumbo products are built for flexibility and performance. With options that accommodate complex income structures, investment properties, and unique home types, we deliver streamlined approvals without compromising competitive pricing. This makes jumbo loans an ideal tool for building wealth through real estate while maintaining liquidity.
Let’s Build a Custom Solution
If your client is purchasing or refinancing a property that exceeds conventional loan limits, don’t let outdated guidelines stand in the way. Contact Ferrari Lending to structure a jumbo loan strategy that maximizes leverage, preserves assets, and supports long-term financial goals.