Mortgage Broker for Non-QM & Jumbo Mortgage in Florida
As an experienced mortgage broker, we are known for delivering competitive pricing and fast approvals for buyers seeking a jumbo loan in Florida. Learn more about current jumbo mortgage rates and loan limits.
Why a Jumbo Loan Works for Florida Buyers
Get the financing you need for high-value Florida homes with competitive rates and flexible jumbo loan options. Jumbo loans are designed for self-employed professionals, retirees, and luxury buyers and make it easy to own waterfront properties, new construction, or investment homes.
Here’s why borrowers choose our jumbo mortgage in Florida:
- Jumbo Loan Expertise: We understand the needs of luxury buyers and know which lenders move quickly and deliver strong pricing for high-value properties across Florida.
- More Than Standard 30-year Fixed Loans: Along with traditional jumbo mortgages, we offer ARM options such as 7/1 and 5/1. These can be a practical fit for buyers who plan to move or refinance within a few years.
- Flexible Qualification Options: Self-employed buyers and retirees can use bank statement programs and asset depletion structures that turn deposits or investments into qualifying income.
- Custom Loan Structures: We analyze loan-to-value, term, and reserves to secure the most competitive jumbo mortgage rates in Florida.
- Fast Approvals. Our jumbo process is designed for high-end transactions. Many Florida clients close in 30 days or less.
Our Jumbo Loan Programs in Florida
With access to hundreds of mortgage investors, we offer flexible jumbo loan options that fit many different financial situations of Florida residents. You can qualify using 1099 income, business earnings, or by using your assets as part of your overall profile. Traditional lenders often limit borrowers with non-standard documentation, and this is where we step in with practical solutions that move your approval forward. Our goal is to make your path to homeownership in Florida clear, simple, and fully supported.
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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.
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Self-Employed Mortgages
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
Buying a waterfront home, luxury condo, new construction, or high-value primary residence in Florida is easier with a jumbo mortgage. Our team offers 10% down jumbo programs and specialty non-QM solutions for self-employed and retired buyers.
- Apply for a jumbo loan online or connect with a local expert
- We compare current jumbo loan rates in Florida to find the best option for you
- Understand how jumbo loans differ from conforming mortgages
- Receive a clear plan to closing
Why Choose LendFriend?
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.
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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 -
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.