Jumbo Home Loans

Finance Your Dream Property with a Jumbo Loan

If you’re buying a luxury property or a high-priced home that exceeds standard loan limits, a jumbo loan offers the financing solution you need. In 2025, the conforming loan limit is generally $806,500 though it may be higher in select high-cost counties. For homes priced above that threshold, CTC Mortgage offers competitive jumbo mortgage options to help you move forward with confidence.

Key Features of Our Jumbo Loans

Our jumbo loans are designed for high-income borrowers purchasing premium real estate. Whether you’re moving up, relocating, or investing in a high-end property, we offer:


  • Loan amounts above conforming limits (up to several million dollars)
  • Down payments typically between 10–20%, depending on credit and property
  • No PMI required when equity meets program requirements
  • Fixed-rate and adjustable-rate (ARM) options
  • Competitive jumbo interest rates
  • Local expertise in Florida, Georgia, North Carolina & South Carolina


Unlike conforming loans, jumbo mortgages allow you to finance more with a single loan—with no need for secondary loans or piggyback structures.

Jumbo Loan Qualifications

Because jumbo loans aren’t backed by Fannie Mae or Freddie Mac, the qualification standards are higher. Typical jumbo loan guidelines include:


  • Credit Score: Most lenders require 700+; some allow as low as 660 with strong compensating factors
  • Down Payment: Minimum 10–20%, depending on loan size and profile
  • Income & Assets: Verified, stable income and significant reserves (often 6–12 months of mortgage payments in savings)
  • Appraisals: Some loans may require two appraisals, especially for properties above $2 million


Our team will walk you through the full documentation process and help you prepare a strong application.

Where We Offer Jumbo Loans

We work with borrowers throughout the Southeast, including:


  • Luxury homes in Palm Beach County and Naples, FL
  • Upscale neighborhoods in Charlotte, NC and Atlanta, GA
  • Coastal estates in Charleston and Hilton Head, SC
  • High-value rural or custom homes in growing areas across all four states


Our advisors understand the nuances of local markets and are here to help you compare loan options and structure a solution that fits your goals

Jumbo Loans vs. Conforming Loans

Jumbo loans are non-conforming, meaning they don’t meet the criteria set by government-backed agencies. While conforming loans may offer easier qualification, jumbo loans:


  • Allow for larger loan amounts
  • May have tighter credit and reserve requirements
  • Often require full income documentation


If you’re not sure which loan type is right for you, we’ll help you weigh the pros and cons.

Get Started with a Jumbo Loan

Whether you’re purchasing a dream home or refinancing a luxury property, CTC Mortgage’s jumbo loan experts will guide you from application to closing. We’ll help you:


  • Determine your maximum loan eligibility
  • Compare jumbo mortgage options
  • Navigate income, reserve, and appraisal requirements


Talk to a jumbo loan expert at CTC Mortgage today for a personalized consultation and pre-qualification. We’ll walk you through the process, explain your options, and help you secure financing with confidence.

Explore Other Loan Options

Looking for a different type of mortgage? Compare our other home purchase programs:

Ready to Get Started?

Contact Us today for a free pre-approval or to learn more about your mortgage choices.

Two overlapping speech bubbles, one with a question mark.

Faqs about Jumbo Loans

Answers to common mortgage questions

  • What qualifies as a jumbo loan in Florida?

    A jumbo loan in Florida is any home loan that exceeds the current conforming loan limit, which is generally $766,550 in most counties for 2025. If you’re purchasing a high-value property above that threshold, you’ll need jumbo financing. Some high-cost counties may have higher conforming limits, but most areas in Florida fall under the standard cap.

  • What are the credit score requirements for a jumbo loan?

    Most jumbo loans require a credit score of 700 or higher for the best rates and terms. However, our 5% down jumbo loan program may allow scores as low as 680, depending on your income, debt-to-income ratio, and assets. We’ll review your credit profile and help you understand what options are available to you.

  • Are interest rates higher on jumbo loans?

    Historically, jumbo loans had slightly higher interest rates than conforming loans. But today, jumbo mortgage rates are often very competitive, especially for well-qualified borrowers. CTC Mortgage offers competitive jumbo rates across Florida, Georgia, the Carolinas, and beyond—contact us to compare today’s rates.

  • Can jumbo loans be used for second homes or investment properties?

    Yes, jumbo loans can often be used for second homes and investment properties, though requirements may be stricter than for primary residences. You may need a higher down payment, more reserves, and strong rental income (if applicable) to qualify. Our team can walk you through options based on your property type and goals.

  • Do jumbo loans require two appraisals?

    In many cases, yes—especially if the property is valued over $1 million. Some lenders require dual appraisals to ensure property value is accurate. We’ll let you know if your home requires this step early in the process.