Program highlights
- Loan amounts from $766,550 up to $10M+ (higher case-by-case)
- As little as 10% down on qualifying scenarios
- Interest-only options for cash-flow-conscious borrowers
- Asset-based qualification available for high-net-worth clients
- Second home and investment jumbo programs available
- Portfolio lending for unique or non-conforming properties
Who it's best for
- Buyers of waterfront estates on Las Olas Isles, Golden Beach, or Naples
- Professionals and business owners with strong assets but variable W-2 income
- Relocation buyers moving to South Florida from NY, NJ, CA, or IL
- Second-home buyers in the Keys, Palm Beach, or Sanibel
What Florida buyers should know
Jumbo lending in Florida is heavily influenced by insurance and windstorm coverage. Post-2023 insurance markets require thoughtful structuring — Joann coordinates directly with your insurance agent so the loan and coverage close together.
Frequently asked questions
What credit score do I need for a Florida jumbo loan?+
Most jumbo programs start at 700, with the best pricing at 740+. Some portfolio lenders will go lower with additional reserves.
How much reserves do jumbo lenders want?+
Typically 6–24 months of PITI in liquid or investment assets, depending on loan size. Joann will map this out before you write an offer.
Can I get a jumbo loan on a Florida condo?+
Yes — but the building matters. Non-warrantable and short-term rental-friendly condos require specialized jumbo product; Joann has lender relationships for both.
Explore more Florida loan programs
Ready to talk jumbo loans?
Joann answers her own phone. Get a real quote — no credit pull without your consent, no pressure, no sales script.