Mortgage Broker for Non-QM & Jumbo Mortgage in Florida
As a mortgage broker serving Miami Beach, Palm Beach, Naples, Tampa, and Destin, we structure jumbo loans for Florida buyers whose income or assets don't fit a conventional template. International buyers relocating to South Florida, retirees moving to Naples, Gulf Coast second-home purchasers, and Panhandle vacation-home buyers each need a different jumbo structure, and we build to fit.
Why Florida Homebuyers Trust LendFriend With Their Jumbo Loans
At LendFriend Mortgage, we specialize in jumbo loans for high-value Florida homes across South Florida, the Gulf Coast, Central Florida, the Atlantic coast, and the Panhandle. Our buyers include Miami Beach and Coral Gables international purchasers, Palm Beach and Boca Raton Northeast relocators, Naples and Sarasota retirees, Tampa-area purchasers, Orlando family-home buyers, Ponte Vedra Beach Jacksonville-area buyers, and Destin Panhandle second-home purchasers.
We work with a wide network of jumbo lenders to deliver 30-year fixed loans, adjustable-rate mortgages, and Non-QM jumbo solutions matched to Florida's spread of price points and property types from oceanfront condos to Gulf Coast estates.
Florida Jumbo Loan Options Beyond the 30-Year Fixed
Not every Florida buyer holds long term. We offer jumbo ARM options including 7/1 and 5/1 adjustable-rate mortgages, often providing lower initial payments and added flexibility for buyers expecting future moves between Florida's coastal markets.
We help you pick the structure that fits your ownership timeline, not whichever loan is easiest to quote.
Flexible Jumbo Non-QM Mortgage Solutions for Complex Florida Buyers
Many Florida jumbo borrowers don't fit a W-2 box. Retirees living on portfolios and pensions, international buyers with offshore income, business owners with closely-held companies, and self-employed professionals often need Non-QM jumbo solutions such as:
- Bank statement loans for self-employed buyers and business owners
- Asset depletion programs for retirees and high-net-worth borrowers who prefer to qualify using investments rather than W-2 income
These programs let qualified Florida buyers finance high-value purchases without forced income documentation that doesn't reflect their real financial position.
Custom Jumbo Pricing and Loan Structuring
Jumbo pricing isn't one-size-fits-all. Each Florida file gets structured around loan-to-value, reserves, term, and rate to find the most competitive jumbo financing for that borrower's situation.
Our work isn't just finding a rate. It's structuring a loan that performs well today and stays flexible as your circumstances evolve.
Faster Jumbo Closings for Competitive Florida Markets
High-end Florida transactions move quickly, especially in tight inventory markets. Our jumbo process is built for complex, high-value purchases, and many of our Florida clients in Palm Beach, Naples, and Miami close in as little as 14 days. We coordinate directly with real estate agents, attorneys, and lenders so deals close on schedule.
Our Jumbo Loan Programs in Florida
With hundreds of mortgage investors in our network, LendFriend offers jumbo loan options designed for real-world borrowers. Bank statement loans, asset depletion loans, and crypto mortgages can all help qualified buyers finance higher-priced homes with more flexibility.
.png?width=50&height=50&name=Email%20Icons%20(3).png)
Asset Depletion Mortgages
An asset-depletion mortgage lets you use your assets to qualify for a high-value home, especially well for high-net-worth individuals with strong portfolios and non-traditional income. You can use our bank accounts, investment holdings, and retirement funds as income under this approach.
-1.png?width=50&height=43&name=Email%20Icons%20(4)-1.png){kind=small}
Bank Statement Loans
We offer a simple lending path designed for entrepreneurs and 1099 earners who rely on business income. There is no need for tax returns or W-2s. These programs are for self-employed buyers who need flexible documentation and supportive underwriting.
Crypto-Backed Mortgages
A crypto-backed mortgage gives Bitcoin and Ethereum investors the ability to purchase a home without selling any digital assets. No income verification is required because your crypto holdings provide the strength needed for approval. This creates a direct route to homeownership for crypto-forward buyers.
RSU Mortgages
Our RSU mortgage solutions help tech employees and professionals with equity-based compensation qualify using vested stock grants as income. There is no waiting period or need to cash out shares to create a fast and efficient path to approval.
Buy Before You Sell
This program helps current homeowners access their equity upfront so they can move into a new home in Floridawithout delay. It gives buyers a smooth transition without contingent offers, which is especially useful for families and individuals planning a stress-free move.
How We Help You Qualify for A Jumbo Loan in Florida
Here is how LendFriend makes you qualify for a jumbo loan in Florida by making the process transparent and straightforward.
Step 1: Understand the Requirements
- Clear income, credit, and DTI guidelines
- Full breakdown of credit score, documentation, and debt-to-income ratios
- Know exactly what’s needed before applying
Step 2: Offer Flexible Solutions
- Options for self-employed professionals, retirees, and investors
- Self-employed jumbo loans and asset-depletion programs
- Helps you qualify even with non-traditional income
Step 3: Transparent & Straightforward Process
- Guidance every step of the way
- No surprises as everything is explained upfront
Guidance and Support for Florida Jumbo Loans
Whether you’re buying a Palm Beach oceanfront, a Naples Gulf Coast estate, a Miami Beach condo, a Boca Raton family home, or a Destin Panhandle second home, our team builds jumbo mortgages around your goals. From ten-percent-down jumbo programs to specialty non-QM solutions for self-employed and retired buyers, 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 in Florida, explain how jumbo loans differ from conforming mortgages, and create a clear plan to get you to closing. Many of our clients in Palm Beach, Naples, Miami Beach, and Boca Raton close in as little as 14 days.
Why Choose LendFriend for Florida Jumbos?
Jumbo loans are a core specialty at LendFriend Mortgage, not just another program we offer. We connect borrowers with the right jumbo lender for their property, financial profile, and goals. Our process is fast, transparent, and free of hidden fees. You can choose a fixed 30-year mortgage, a 7/1 ARM, or a flexible non-QM option, and we make it simple to get approved and close quickly.
Around the Clock
We are available seven days a week to help Florida buyers compare jumbo mortgage rates and review lender options.
Loan Options
Our jumbo financing solutions for Florida buyers include conventional fixed rates, ARMs, bank statement loans, and asset depletion programs.
Quick Pre-Approval
Our jumbo preapproval process strengthens your offer and gives sellers confidence in your ability to close on higher-priced properties.
Competitive Rates with No Points
We compare multiple jumbo lenders to find the most competitive rates for your profile without unnecessary points or hidden charges.
Personalized Mortgage Guidance
Work one-on-one with a Florida 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 West Palm, Boca Raton, Miami and Naples.
What Our Jumbo and Self Employed Borrowers Say About LendFriend
5/5 Star Reviews on Google, Zillow, and Experience.
.png?width=200&height=34&name=Stars%20(4).png "Stars (4)"){kind=small}
-
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 -
LendFriend made my homebuying experience so easy. As a business owner, I heard horror stories about how hard it can be for guys like me to get a mortgage. Thankfully I found LendFriend. Eric and the team had me approved in no time. My rate was great and they closed on time. Couldn’t ask for more
David Marino
Closed August 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
FAQs – Getting a Jumbo Loan In Florida
What loan amount qualifies as a jumbo loan in Florida?
The 2025 conforming loan limit for a one-unit property in Florida is $806,500. Any mortgage above this amount is considered a jumbo loan, which sets the jumbo loan limit in Florida. Many luxury and high-value homes across the state exceed this threshold, making jumbo mortgages a common choice for buyers.
How much can I borrow with a jumbo loan?
With strong qualifications, a jumbo loan amount in Florida can reach into the multi-million range. Approval depends on credit score, loan-to-value ratio, and reserves. Higher credit and more reserves unlock lower jumbo rates and better terms.
Do jumbo loans require perfect credit?
No. While a 750+ score helps secure the best jumbo pricing, borrowers with slightly lower scores can still qualify if they show compensating strengths, such as a larger down payment or significant liquid assets.
Can self-employed or complex-income borrowers qualify for a Jumbo loan?
Yes. We offer non-QM jumbo programs like bank-statement mortgages and asset-depletion loans. These allow entrepreneurs, consultants, and retirees who want to live in Florida to qualify without relying on W-2s or traditional tax returns.
What property types are eligible for jumbo financing?
Eligible properties include single-family homes, condos, townhomes, and 2–4 unit properties. We structure financing for luxury residences, waterfront homes, and custom-built properties to match your needs.
How do jumbo loan interest rates compare to conventional rates?
Jumbo mortgage rates in Florida are often competitive with conventional rates because lenders actively compete for qualified buyers in high-demand markets across the state.