Jumbo Loan and Non-QM Mortgage Broker in Short Hills, NJ
As a mortgage broker serving Livingston, Short Hills, and Montclair, we deliver competitive jumbo pricing with flexible guidelines and fast approvals. Whether you’re self-employed, retired, or purchasing a luxury home, we have tailored solutions to fit your goals.
Why Homebuyers Trust LendFriend With Their Jumbo Loans Across Short Hills, Livingston & Montclair
At LendFriend Mortgage, we specialize in helping buyers in Short Hills, Livingston, and Montclair secure jumbo financing that fits their goals—whether that’s a classic 30-year fixed, an ARM, or a non-QM solution for self-employed and retired borrowers. With strong lender relationships, we deliver options tailored for luxury homes, suburban estates, and high-end properties throughout northern New Jersey.
Here’s why jumbo borrowers in Short Hills, Livingston, and Montclair choose us:
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We know jumbo. From luxury estates in Short Hills to historic homes in Montclair and modern properties in Livingston, we’ve closed jumbo loans across Essex County. We know which lenders move fast and price aggressively.
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More than 30-year fixed. While many borrowers choose a conventional 30-year jumbo mortgage, we also offer ARMs like 7/1 and 5/1—ideal for lowering payments if you don’t plan to hold your home long term.
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Flexible qualification programs. If you’re self-employed or retired, we provide bank-statement loans and asset-depletion programs that let deposits or investments count as income.
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Custom structure for better pricing. We tailor loan-to-value, term, and reserves to secure the most competitive jumbo rates available for Short Hills, Livingston, and Montclair buyers.
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Fast approvals. Our jumbo process is built for high-end transactions. Many clients in Essex County communities close in 30 days or less.
What Our Jumbo and Self Employed Borrowers Say About LendFriend
5/5 Star Reviews on Google, Zillow, and Experience.
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LendFriend has been an outstanding lending partner, reliable, transparent, and incredibly easy to work with. Their team made the entire process smooth from start to finish, always available to answer questions and guide us through each step. I highly recommend LendFriend to anyone looking for a trustworthy and efficient lender.
Trung Nguyen
Closed July 2025 -
Wow my husband and I were truly impressed with how easy the LendFriend team made our home buying experience. Eric and his team took extra care in explaining and outlining each step -- a real customer first experience. On top of that, each member of the team was incredibly knowledgeable, organized, and responsive; resulting in an expeditious close! The website promise of working around the clock to support you is 100% factual, we had staff answering questions late night and weekends. The entire team was a real pleasure to work with, so if you are looking for a mortgage broker look no further, LendFriend is the team for you! They will give you peace of mind, get you the best rates, and make you feel confident when buying your home :)
Sarah Carr
Closed May 2025 -
I had been looking for a house for 2-3 years and while it was a journey as a business owner with a difficult financial situation this company did what 6 others could not. They got me a jumbo loan based off my business income and when I needed more they just made it happen twice. This process of funding can be extremely difficult and basically a blow to the ego but Eric and his team are literally magicians and my fiancee and I are now closed on out dream house. I recommend them whole heartedly
Shawn Tassone, MD, PhD
Closed April 2025 -
These guys are the best in the business. At the recommendation from a friend, we used LendFriend to help us purchase our home in Connecticut, and I could not be more satisfied with the level of service they provided. This was not our first home purchase, and the difference between obtaining the mortgage this time around and the last is no comparison. They helped come up with solutions to make purchasing our new home as easy as possible prior to completing the sale of our current, were available to answer all of our questions 24/7, and most importantly were able to close with an extremely quick timeline.
Russell B
Closed March 2025 -
I am so grateful for Micheal and his team at LendFriend. As a first time homebuyer with multiple businesses, I was very nervous about the loan process. Anyone who’s self employed knows loan processes for us are more extensive but LendFriend made it an ease. From getting a great rate to closing, they made clear communication and were extremely helpful in making sure I had everything I needed to ensure we got the final approval well in advance of closing date. They are truly amazing people to have on your team. Thank you Micheal, Morgan and Crystal for your encouraging words and optimism throughout this process.
Annie Momin
Closed September 2024
Loan Programs To Suit Every New Jersey Borrower's Needs!
With access to hundreds of mortgage investors, we offer flexible home loan options for nearly every situation. Whether you're applying with 1099 income, running your own business, looking to leverage your assets, we’ve got you covered. We're here to say yes where traditional lenders have said no. Let us help you make homeownership happen.
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Asset Depletion Mortgage for HNW Individuals
Leverage your assets to qualify for your dream home with an asset depletion mortgage. Use your bank accounts, investment portfolios, and retirement funds as income. Our asset-based lending solutions are ideal for high net worth individuals with non-traditional income.
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Self Employed Mortgages For Entrepreneurs and 1099 earners
Getting a mortgage for self employed income shouldn't be so hard. We make it easy with self employed mortgage options that don’t require tax returns or W2s—no red tape, just real solutions.
Crypto-Backed Mortgages for Bitcoin and Ethereum Investors
Buy a house with bitcoin without selling a token using crypto-backed mortgages! No income needed. Qualify to buy your dream home using just your Bitcoin and Ethereum holdings
RSU Mortgages For Tech Employees
Leverage your Restricted Stock Units to qualify for a mortgage without waiting or cashing out shares. Our RSU mortgage program recognizes vested stock grants as income, giving tech employees and equity-compensated professionals a faster path to homeownership.
Buy Before You Sell
Move into your new home before selling your current one with our Buy Before You Sell program. Unlock your equity upfront, avoid contingent offers, and buy with confidence—without the stress of timing two closings.
One Time Close Construction Loans
Build your dream home and skip the stress of multiple closings. Our one-time close construction loan covers construction and permanent financing—saving time, money, and hassle from start to finish.
Straightforward Qualification That Works for Short Hills, Livingston & Montclair Buyers
Wondering what it takes to qualify for a jumbo loan in Short Hills, Livingston, or Montclair? At LendFriend, we make the process clear and straightforward. Our focus is on transparency and flexibility so you know exactly what lenders expect before you apply.
Transparent income, credit, and DTI guidelines
We break down jumbo loan requirements—credit score, documentation, and debt-to-income ratios—so you can plan ahead with confidence. Whether you’re targeting a 30-year jumbo mortgage or comparing jumbo ARM rates, we’ll show you exactly what it takes to qualify in Essex County.
Flexible solutions for self-employed professionals and retirees
Not everyone fits neatly into a W-2. That’s why we specialize in self-employed jumbo loans and asset-depletion programs—perfect for Short Hills entrepreneurs, Livingston consultants, and Montclair retirees. With options like bank-statement mortgages, your deposits (not tax returns) tell your financial story, while asset-depletion loans convert your portfolio into qualifying income.
Ready When You Are – Let's Get Started
Whether you’re buying a Short Hills luxury home, a Livingston colonial, or a Montclair historic property, our team builds jumbo mortgages around your goals. From ten-percent-down programs to specialty non-QM solutions, we make sure you’re set up for success.
Apply for a jumbo loan online today or connect with a local expert. We’ll compare current jumbo mortgage rates, explain how jumbo loans differ from conventional mortgages, and lay out a clear path to closing. Most of our clients in Short Hills, Livingston, and Montclair close in 30 days or less.
FAQs – Qualifying for a Jumbo Loan in New Jersey
What loan amount qualifies as a jumbo loan in Essex County, New Jersey?
In Essex County, the 2025 loan limits are as follows:
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FHA Loan Limit (1-unit): $1,089,300
- High-Balance Conventional Limit (1-unit): $1,089,300
That means any loan amount above $1,089,300 is considered a true jumbo loan in Short Hills, Livingston, and Montclair. Because home values in these areas often exceed that threshold, jumbo financing is very common.
How much can I borrow with a jumbo loan?
With the right profile, jumbo loan amounts in Essex County can extend into the multi-million range. Approval depends on factors like credit score, loan-to-value ratio, and reserves. Stronger profiles unlock lower jumbo rates and better terms.
Do jumbo loans require perfect credit?
With the right profile, jumbo loan amounts in Essex County can extend into the multi-million range. Approval depends on factors like credit score, loan-to-value ratio, and reserves. Stronger profiles unlock lower jumbo rates and better terms.
Can I get a jumbo loan if I’m self-employed or have complex income?
Yes. We specialize in non-QM jumbo programs like bank-statement mortgages and asset-depletion loans. These allow Short Hills entrepreneurs, Livingston consultants, and Montclair retirees to qualify without relying solely on W-2s or tax returns.
What property types are eligible for jumbo financing?
Single-family homes, condos, townhomes, and 2–4 unit properties can qualify, subject to lender guidelines. Whether it’s a Short Hills estate, a Livingston colonial, or a Montclair Victorian, we’ll help structure the right jumbo loan.
How do jumbo loan interest rates compare to conventional rates?
In northern New Jersey, jumbo rates are often competitive with — and sometimes lower than — conventional rates. Lenders compete aggressively for well-qualified jumbo borrowers in high-demand markets like Short Hills, Livingston, and Montclair.
Can I refinance a jumbo loan?
Yes. A jumbo refinance can lower your interest rate, convert an ARM to a fixed loan, or allow you to tap into equity. Many Essex County homeowners refinance their jumbo loans to save money or restructure debt.
Why Choose LendFriend?
At LendFriend Mortgage, jumbo loans aren’t just one of the programs we offer—they’re a core specialty. We match borrowers with the right jumbo lender for their property, financial profile, and goals, with no hidden fees and a process built for speed. Whether you want a fixed 30-year, a 7/1 ARM, or a flexible non-QM option, we make it simple to get approved and close quickly.
Around the Clock
We’re available 7 days a week to help you compare jumbo mortgage rates, review lender options, and move forward with confidence—whether you’re buying a primary home, second home, or investment property.
Loan Options
We offer a full range of jumbo financing solutions, from conventional fixed rates to ARMs, bank statement loans, and asset depletion programs—so you get the right fit for your goals.
Get Pre-Approved Quickly
Our jumbo preapproval process strengthens your offer and gives sellers confidence in your ability to close on higher-priced properties. You can apply for a jumbo loan online in minutes, making it faster and easier to get started.
Competitive Rates with No Points
We shop multiple jumbo lenders to find the most competitive rates for your profile—without unnecessary points or hidden charges.
Personalized Mortgage Guidance
You’ll work one-on-one with a jumbo mortgage expert who will explain your options, help you structure your file for approval, and guide you through underwriting with clarity.
Close in less than 30 days
Our process is designed for larger transactions, so most jumbo loans close in 30 days or less—even in competitive markets like Austin, Dallas, and Houston.