Jumbo Loans: Explore jumbo loan rates and features
Our jumbo loans are tailored to match your goals—whether that means 10% down, comparing ARM vs fixed rate options or non-QM jumbo products. We give you access to competitive pricing and programs for every borrower.
Why Homebuyers Trust LendFriend With Their Jumbo Loans
At LendFriend Mortgage, we specialize in helping buyers secure jumbo loans that fit their goals—whether that’s a classic 30-year fixed or a specialty program like a 7/1 ARM or non-QM solution for unique financial profiles. We’ve built relationships with jumbo lenders nationwide, so we can match you with the right option for your property, budget, and long-term plan.
Here’s why jumbo borrowers from Greenwich to Austin to Los Angeles choose us:
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We know jumbo. From million-dollar luxury homes in Austin’s West Lake Hills and investment condos in Dallas to estates in Los Angeles, tech-corridor homes in the Bay Area, and waterfront properties in Boca Raton, we’ve closed jumbo loans in every major market. We know which lenders move fast, price aggressively, and make approvals smooth.
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More than just 30-year fixed. While many borrowers choose a conventional 30-year fixed-rate jumbo mortgage, others prefer flexible options. That’s why we offer ARMs like the 7/1 or 5/1 that can lower your rate during the years you plan to own the home—perfect for fast-growing markets like Denver, San Francisco, and beyond.
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Flexible qualification programs. If your income doesn’t fit into a W-2 box, we offer non-QM solutions like bank statement loans for self-employed borrowers, RSU-based approvals in Bay Area tech hubs, and asset depletion programs for high-net-worth buyers in places like Northbrook and Boca Raton.
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Custom structure for better pricing. We analyze your loan-to-value, term, and reserve options to position your file for the most competitive jumbo rate available—whether you’re buying a Hill Country ranch, a Silicon Valley condo, or a coastal Florida retreat.
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Fast, strategic approvals. Applying for a jumbo loan doesn’t have to be complicated. Our process is built for higher-end transactions, with tailored preapprovals and smooth closings—often in 30 days or less in competitive markets from Austin and Dallas to Los Angeles and the Bay Area.
What Our Jumbo Loan Clients Say
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
Flexible Jumbo Loan Programs Beyond for non-W2 Borrowers
With access to hundreds of jumbo lenders and investors, we can design financing for almost any borrower. From 10% down to non-QM options like bank statement and asset depletion loans, we make approvals smoother—even for those with complex income or unique property types.
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Asset Depletion for HNW Individuals
Leverage your assets to qualify for your dream home with an asset depletion jumbo mortgage. Use your bank accounts, investment portfolios, and retirement funds as income. Perfect for luxury homes and higher loan amounts without relying on traditional income.
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Self Employed Mortgages For Entrepreneurs and 1099 earners
Get approved for a jumbo loan using just your bank statements—no W-2s or tax returns required. 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 home with Bitcoin or Ethereum without selling your holdings or triggering capital gains taxes. Our crypto-backed jumbo loan programs let you qualify with no traditional income documentation.
Straightforward Qualification That Works for You
Wondering what is a jumbo loan and how hard it is to qualify? Getting approved for a jumbo mortgage shouldn’t be confusing. At LendFriend, we focus on transparency and flexibility so you know exactly what lenders require when applying for a jumbo home loan.
Transparent income, credit, and DTI guidelines
We break down jumbo loan requirements clearly—credit score, income documentation, and debt-to-income ratios—so you can plan ahead and avoid surprises. Whether you’re targeting a 30-year jumbo mortgage or comparing jumbo ARM rates, we’ll show you exactly what it takes to qualify.
Flexible solutions for self-employed professionals and investors
Not everyone fits the W-2 mold. That’s why we offer non-QM programs for self-employed jumbo loans, including bank statement mortgages and asset depletion jumbo loans that turn liquid assets into qualifying income. Investors also benefit from programs that look beyond tax returns and consider your full financial picture.
Ready When You Are – Let's Get Started
Whether you’re in Austin, Dallas, Los Angeles, Denver, the Bay Area, Boca Raton, or anywhere else in the country, our team structures jumbo mortgages around your goals. From ten percent down options to jumbo loans with 5% down on select programs, we make sure you’re set up for success.
Apply for a jumbo loan online in minutes or connect with an expert today. We’ll compare current jumbo mortgage rates, explain the difference between jumbo vs conventional loans, and map out a clear path to closing. Most of our clients are approved quickly and close their jumbo home loan in 30 days or less.
FAQs – What You Need to Know Before You Choose a Jumbo Mortgage Lender
What loan amount qualifies as a jumbo loan in Texas?
In Texas, any mortgage amount above $806,500 is considered a jumbo loan. Texas uses a single statewide limit. In contrast, some states have counties with higher thresholds. For example, in Los Angeles County, the 2025 conforming loan limit for a one-unit property is $1,209,750. Anything above that amount is considered a jumbo mortgage. These “high-cost” designations mean buyers in places like Los Angeles, San Francisco, and New York can borrow more under conventional guidelines before entering jumbo territory. Across the U.S., jumbo loan limits vary by state and county, so it’s critical to check your property location when determining whether you need a jumbo loan.
How much can I borrow with a jumbo loan?
With the right qualifications, jumbo loan amounts in Texas can reach up to $5 million or more. Keep in mind that the larger the loan, the stricter lenders will be with jumbo loan requirements like debt-to-income ratio, credit score, and cash reserves. Stronger borrower profiles—such as a high credit score, low LTV, and substantial assets—unlock the best jumbo mortgage rates and more flexible terms.
Do jumbo loans require perfect credit?
Not necessarily. While a credit score of 700+ often earns the most competitive jumbo loan interest rates, we work with borrowers who have slightly lower scores if they have strong compensating factors like a larger down payment or more reserves. At LendFriend, we’ll help you improve your credit if needed, so you’re positioned to qualify for the best jumbo loan rates today.
Can I get a jumbo loan if I’m self-employed or have complex income?
Yes. We offer alternative documentation programs like bank statement jumbo loans, asset depletion jumbo mortgages, and RSU income qualification. These solutions allow self-employed, high-asset, and non-traditional borrowers to qualify for a jumbo home loan without relying solely on tax returns or W-2s.
What property types are eligible for jumbo financing?
Eligible properties include single-family homes, townhomes, certain condos, second homes, and 1–4 unit investment properties—subject to lender guidelines. Whether you’re financing a luxury condo or a large multi-million estate, we shop multiple lenders to secure the best jumbo mortgage rates for your property type.
How do jumbo loan interest rates compare to conventional rates?
In certain high-cost areas such as Los Angeles or Orange County, 30-year jumbo mortgage rates can be just as competitive—or even lower—than conventional rates. This is because many lenders actively compete for high-quality jumbo borrowers in expensive housing markets. We monitor current jumbo mortgage rates nationwide so you can lock in the most competitive option for your location.
Can I refinance a jumbo loan?
Yes. Many homeowners choose a jumbo refinance to lower their interest rate, switch from an ARM to a fixed-rate mortgage, or tap into home equity. Jumbo refinance rates vary by lender and market conditions, and can be higher or lower than conventional refinance rates depending on borrower profile. Whether you’re in a standard-cost state like Texas or a high-cost area like Los Angeles, refinancing a jumbo mortgage requires strong credit, solid income documentation, and often larger reserve requirements. We shop multiple jumbo mortgage lenders to help you secure the most competitive refinance structure for your goals.
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.