Jumbo Mortgages
Low-rate jumbo loans for amounts above the $726,200 conforming limit. Competitive rates for luxury homes across Florida.
Get Pre-Approved →
Low-rate jumbo loans for amounts above the $726,200 conforming limit. Competitive rates for luxury homes across Florida.
Get Pre-Approved →Min. Down Payment
10 – 20%
Loan Minimum
Above $726,200
Min. Credit Score
680+
Loan Terms
15 / 20 / 30 Year Fixed
Jumbo mortgages are for borrowers who need loan amounts above the conforming limit of $726,200. Whether you're purchasing a luxury home in Miami Beach, Coral Gables, or anywhere in Florida — Swiftlend offers competitive jumbo rates statewide.
Buyers purchasing homes above the $726,200 conforming limit
Borrowers with 680+ credit scores and strong financial profiles
Luxury home buyers across all Florida markets
Borrowers seeking 15, 20, or 30-year fixed rate options
A jumbo loan is a mortgage that exceeds the conforming loan limit set by the Federal Housing Finance Agency, which starts above $726,200 in most areas. Because these loans are too large to be bought by Fannie Mae or Freddie Mac, they are funded by lenders or specialized investors. Jumbo financing is designed for buyers purchasing luxury and high-value homes across Florida markets like Miami Beach, Coral Gables, and Fort Lauderdale, or anyone refinancing a high-balance mortgage.
Because the loan amount is larger, jumbo underwriting looks closely at your full financial picture. Lenders typically want strong credit, verified income and assets, a manageable debt-to-income ratio, and cash reserves after closing. Down payment requirements generally range higher than conforming loans, often in the 10 to 20 percent range depending on the property and profile. You will provide tax returns, bank statements, and income documentation, and the property is confirmed through a full appraisal before approval.
Swiftlend is a licensed Florida mortgage broker (NMLS #402985) based in Miami, and we shop your jumbo scenario across a network of lenders to match you with competitive terms. Because we are not tied to one balance sheet, we can compare fixed-rate options and structures for luxury purchases, second homes, and investment properties statewide. Whether you are buying in Miami-Dade or elsewhere in Florida, we can get you pre-approved and clarify exactly what you qualify for. Call (305) 985-4889 to start.
We review your target price, credit, income, assets, and reserves for a jumbo purchase, then match your scenario to the right lender partners. You get a clear pre-approval showing the loan amount and terms you realistically qualify for in Florida.
You submit tax returns, bank statements, and income and asset verification. Jumbo underwriting examines your debt-to-income ratio and post-closing reserves in detail, since these high-balance loans are held by lenders or specialized investors rather than the agencies.
A full appraisal confirms the home's value, and higher-balance or luxury properties may require additional review or a second valuation. This protects both you and the lender by verifying the property supports the jumbo loan amount before final approval.
Once underwriting clears your file and the appraisal is finalized, we coordinate the closing disclosure, title, and signing. You sign, funds are wired, and you take ownership of your Florida home with terms you reviewed upfront.
No fees. No commitment. No fine print. Just a clear answer on what you qualify for — today.