“Super impressed with how fast and smooth the whole process was — especially given my complex RSU comp structure that traditional banks kept discounting.
Eric and the team had no problem including my full base + RSU compensation. They were extremely fast, set clear expectations from the start, and followed through on everything they promised.
Honestly one of the easiest and most stress-free mortgage experiences I’ve ever had. Highly recommend!”
Mortgage Broker in Fort Lauderdale for Jumbo Non-QM Loans
LendFriend is a mortgage broker for buyers in Fort Lauderdale, Pompano Beach, Weston, Parkland, and the rest of Broward County. We compare jumbo rates and underwriting guidelines from more than 40 wholesale lenders for business owners, retirees, and buyers of waterfront homes and condos.
Why Homebuyers Trust LendFriend With Their Jumbo Loans in Fort Lauderdale and Broward County
Jumbo loans make up a large share of the mortgages we arrange at LendFriend Mortgage. In Broward County, we finance primary residences, second homes, and investment properties from the Intracoastal Waterway to the western suburbs. A buyer may be purchasing a deepwater home in Las Olas Isles, an oceanfront condo on Galt Ocean Mile, or an estate in Southwest Ranches. We price each loan with more than 40 wholesale lenders before we recommend one.
Borrowers can choose among 30-year fixed mortgages, adjustable-rate mortgages (ARMs), and Non-QM loan options designed for income or assets that conventional guidelines do not count well.
More Than a 30-Year Fixed Jumbo Loan
Some jumbo borrowers are better served by a loan other than a 30-year fixed. A jumbo ARM may fit a buyer who plans to sell, relocate, or refinance within a few years. 5/1 and 7/1 adjustable-rate mortgages often start with a lower rate and payment than a fixed loan.
We compare the choices for Fort Lauderdale buyers by loan amount, planned years of ownership, and long-term financial goals.
Jumbo Loans for Self-Employed and Retired Buyers
Broward County is home to many marine industry owners, physicians, real estate investors, and retirees whose earnings do not arrive on a W-2. These buyers may hold substantial assets and steady cash flow yet show less taxable income than a conventional jumbo lender wants to see.
We work with lenders that offer jumbo loans for these borrowers, including:
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Bank statement loans that qualify eligible self-employed buyers and business owners on 12 or 24 months of deposits, with no tax returns required
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Asset depletion loans that allow eligible retirees and high-net-worth borrowers to qualify on brokerage, retirement, and savings balances
Either program may make a larger loan amount possible while the borrower's finances stay as they are.
Competitive Jumbo Rates and Loan Options
A fraction of a point in rate adds up to a significant sum over the life of a seven-figure loan. We shop jumbo lenders on behalf of Fort Lauderdale buyers across a range of loan sizes, down payments, property types, and borrower profiles.
Before recommending a loan, we review loan-to-value, reserves, credit, income, assets, and the time you expect to hold the mortgage.
Fast Jumbo Closings for Fort Lauderdale Homebuyers
Waterfront listings in Rio Vista, Harbor Beach, and Lighthouse Point often attract cash buyers. We stay in contact with buyers, real estate agents, title companies, appraisers, and lenders from contract to closing. A complete jumbo file can often close in as little as 14 days.
A financed offer with a short closing date may stand up well against cash in Fort Lauderdale and across Broward County. The same holds for clients who also bid on condos in Miami and Miami Beach, where the building review adds a step to the approval.
Loan Programs To Suit Every Broward County Borrower's Needs!
As a broker with access to more than 40 wholesale lenders, LendFriend arranges jumbo loan options for buyers whose finances call for more flexibility than one bank provides. Qualified Fort Lauderdale borrowers may choose from bank statement loans, asset depletion loans, crypto mortgages, and the other programs below.
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Asset Depletion Loans in Fort Lauderdale
An asset depletion mortgage counts liquid assets as qualifying income for a home purchase. Eligible accounts may include brokerage portfolios, retirement funds, and savings. The program fits high-net-worth buyers in Harbor Beach and Lighthouse Point who live on investments and not on a salary.
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Self Employed Mortgages in Fort Lauderdale
Business owners often report less income on tax returns than their companies deposit. We arrange self employed mortgage options that qualify on deposits and do not require tax returns or W-2s. Borrowers include marine industry owners, medical practice owners, and contractors in Fort Lauderdale, Pompano Beach, Davie, and Plantation.
Crypto Mortgages in Fort Lauderdale
A crypto mortgage lets an eligible buyer qualify on Bitcoin and Ethereum holdings without selling them. No employment income is required. Buyers in Las Olas Isles, Hollywood, or Hallandale Beach may borrow up to $5M with a jumbo crypto mortgage.
RSU Mortgages For Corporate Employees in Fort Lauderdale
Vested Restricted Stock Units may be counted as income on a mortgage application while the shares stay in the account. Our RSU mortgage program serves professionals at Broward County employers such as AutoNation in Fort Lauderdale, Chewy in Plantation, and American Express in Sunrise. Stock income added to base salary may raise the loan amount a borrower can support.
Buy Before You Sell in Fort Lauderdale
Our Buy Before You Sell program lets an eligible owner close on a new home while the current one is still listed. We fund the purchase with a bridge loan secured by the home being sold. Equity in the present home may fund the down payment, and the offer carries no sale contingency. Owners moving from Weston to the beach, or from a condo to a house, avoid matching two closing dates.
Jumbo No-Ratio Loans in Fort Lauderdale
Purchase or refinance a primary residence above the conforming limit without a debt-to-income ratio. Approval for a no-ratio loan rests on credit, equity, reserves, and mortgage history. The structure may suit borrowers in Fort Lauderdale whose tax returns understate their means.
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Straightforward Qualification That Works for Buyers in Fort Lauderdale, Weston and Parkland
Clients regularly ask what it takes to qualify for a jumbo loan in Fort Lauderdale, Lighthouse Point, Weston, or Parkland. We answer with specific requirements at the start.
Transparent income, credit & DTI guidelinesWe state the credit score, documentation, and debt-to-income ratio each jumbo lender requires, so you know where your file stands before you make an offer. Flexible solutions for self-employed professionals and retirees
A W-2 is not the only path to approval. We arrange self-employed jumbo loans and asset depletion loans in Florida for business owners, investors, and retirees. These buyers finance high-value homes in Rio Vista, Coral Ridge, and the gated communities of Parkland and Weston. Business owners who relocate between Broward County and Tampa or St. Petersburg may qualify on the same 12 or 24 months of deposits in either market.
Ready When You Are – Let's Get Started
We arrange jumbo mortgages for buyers of a Harbor Beach waterfront estate, a Las Olas high-rise condo, a Hillsboro Mile oceanfront home, or an equestrian property in Southwest Ranches. Strong files may qualify for 10% down jumbo loan options, and self-employed and retired buyers may use specialty Non-QM solutions.
Apply for a jumbo loan online today or talk with a local expert. We will review current jumbo mortgage rates in Florida, show where a jumbo loan departs from a conforming mortgage, and set a schedule from application to closing. Many jumbo purchases in Fort Lauderdale, Lighthouse Point, Weston, and Parkland can close in as little as 14 days.
Jumbo Non-QM Loan Examples for Fort Lauderdale Buyers
Business owners, executives, retirees, and long-time homeowners in Broward County often need a large loan and have finances a bank does not read easily. Some also carry a mortgage on a Gulf Coast second home in Sarasota or on Siesta Key, which a lender counts in the debt picture. The four scenarios below are illustrative examples of how jumbo bank statement loans in Florida, jumbo asset depletion loans, and jumbo no-ratio loans can be structured. A jumbo no-ratio loan is offered for a primary residence only.
$1.9M Asset Depletion Loan in Weston
A retired physician buying a $2.7M home in Weston prefers to leave a $7M portfolio invested. A jumbo asset depletion loan can count brokerage and IRA balances as qualifying income for a $1.9M mortgage. The buyer can close with about 30% down and sell no securities.
$2.4M Cash-Out Bank Statement Loan in Rio Vista
A yacht services company owner in Rio Vista holds a home worth about $4M with a $1.1M mortgage and wants capital to expand the business. A jumbo bank statement loan can qualify a $2.4M cash-out refinance on 12 months of business deposits, with no tax returns reviewed. The refinance sits at 60% of value and delivers about $1.3M in cash.
$3M No-Ratio Loan in Southwest Ranches
A real estate investor buying a $5.5M primary residence in Southwest Ranches holds most of his net worth in rental properties and private partnerships. A jumbo no-ratio loan, available for a primary residence only, can support a $3M mortgage based on equity, credit, and mortgage history. He puts $2.5M down, and no debt-to-income ratio is calculated.
$3.6M Cash-Out Asset Depletion Loan in Lighthouse Point
A retired couple in Lighthouse Point owns a waterfront home worth about $6.5M with a $1.2M mortgage. A jumbo asset depletion loan can qualify a $3.6M cash-out refinance from a $10M investment portfolio, with no pension or salary required. The couple receives roughly $2.4M at closing, and the new loan stays near 55% of value.
Jumbo Mortgage Options Beyond Fort Lauderdale
A home in Broward County is often one of several a client owns. Seasonal residents, relocating executives, and second-home buyers ask us to finance property in other markets as well. We arrange jumbo loans in many of the states where Fort Lauderdale buyers also shop.
In Florida, our lending reaches from Las Olas and Lighthouse Point to Miami, the Keys, and both coasts. Our jumbo loans in Florida finance luxury primary residences, second homes, and investment properties across the state.
North of the county line, buyers look at Boca Raton, Jupiter, and Palm Beach Gardens. Others cross Alligator Alley to Naples and Marco Island or consider Tampa Bay and the Pinellas County beaches around St. Petersburg and Clearwater.
Many Broward County owners keep a second residence up north. We work with buyers in Connecticut towns such as Greenwich and Darien, on the Jersey Shore, and on Chicago's North Shore. For summer and winter retreats, clients look to the North Carolina mountains around Highlands and Cashiers and to Colorado ski towns such as Vail and Aspen.
Wherever the next purchase is located, in Fort Lauderdale, elsewhere in Florida, or out of state, we can compare jumbo mortgage options with you before an offer goes in.
BORROWER TESTIMONIALS
See Why Jumbo Borrowers Choose LendFriend Mortgage
See how homebuyers across the country have worked with LendFriend Mortgage to navigate larger loan amounts, complex income, and jumbo mortgage financing.
★★★★★
“Eric is my go to guy for all lending needs. This is my third time with Lendfriend and will be back for future purchases and refi!”
“The team at LendFriend made buying our home in Florida so easy. We had an expiring lease and LendFriend was able to move very quickly to get us closed in under 30 days before the lease ended.
They also got us a great rate on a jumbo loan and were available day and night to answer all of our questions. If you’re looking for a mortgage broker that makes the process stress-free while still getting you a great rate, you have to call LendFriend.”
“We had a great experience working with LendFriend, specifically, Michael and team. They were responsive, knowledgeable, and professional throughout the entire process. Communication was clear, and they made everything feel smooth and easy.”
“LendFriend is the absolute best. I found them after I was denied by a lender due to an appraisal issue. I spoke with dozens of lenders, but LendFriend was the only one that could figure out a solution.
They were able to close my jumbo loan in less than 3 weeks and hit my closing date. If you need a lender to step in and save the day, call LendFriend!”
“The staff from my new favorite mortgage company Lendfriend is the best experience I’ve ever had from any lending organization...Their customer Service was very attentive and always prepared to assist me in every way...Ask for Eric !!”
FAQs – Getting a Jumbo Loan In Fort Lauderdale
What loan amount qualifies as a jumbo loan in Broward County?
The 2026 conforming loan limit for a one-unit property in Broward County is $832,750. A loan larger than this limit is a jumbo loan.
Broward County's 2026 limits by property size appear below. Miami-Dade and Palm Beach counties use the same figures.
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Single-unit property: $832,750
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Two-unit property: $1,066,250
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Three-unit property: $1,288,800
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Four-unit property: $1,601,750
Waterfront homes in Las Olas Isles, Harbor Beach, Lighthouse Point, and Hillsboro Beach regularly sell above these limits, and most financed purchases there involve a jumbo mortgage.
How much can I borrow with a jumbo loan in Fort Lauderdale?
Jumbo loans in Florida can run to several million dollars for a borrower with strong qualifications. Lenders set the maximum by credit score, loan-to-value ratio, and reserves. A higher score and deeper reserves usually bring a lower rate and more favorable terms.
Do jumbo loans require perfect credit?
No. Borrowers with scores of 750 and above receive the best jumbo pricing. A lower score does not rule out approval when the borrower brings a larger down payment or significant liquid assets.
Can I get a jumbo loan in Fort Lauderdale if I am self-employed or have complex income?
Yes. We arrange Jumbo Non-QM programs such as bank statement loans and asset depletion loans. Business owners, consultants, and retirees buying in Fort Lauderdale or Lighthouse Point may qualify with no W-2s or tax returns. For retirees, asset depletion loans in Florida convert savings and investment accounts into qualifying income.
What property types are eligible for jumbo financing in Fort Lauderdale?
Single-family homes, warrantable and non-warrantable condos, townhomes, and 2–4 unit properties are all eligible. We arrange jumbo financing for a Seven Isles waterfront home, a Coral Ridge Country Club Estates residence, a Las Olas tower condo, or a Weston Hills estate. An oceanfront building with a hotel rental program may call for a condotel mortgage, a loan fewer lenders offer.
How do jumbo loan interest rates compare to conventional rates?
Jumbo rates in Broward County often sit near conventional rates, and in some weeks they are lower. Wholesale lenders compete for well-qualified borrowers in markets such as Fort Lauderdale and Weston. A buyer choosing between Fort Lauderdale and Naples will generally find the same jumbo lenders and similar pricing on both sides of Alligator Alley.
Is an adjustable-rate mortgage a good option for a jumbo loan in Fort Lauderdale?
It may be, and the deciding factor is how long you will own the home. A 5/1 or 7/1 jumbo ARM fixes the rate for five or seven years and usually prices below a 30-year fixed. The savings in those early years are one reason ARMs have come back among jumbo borrowers. Buyers who expect a corporate transfer or a refinance are the typical users. A borrower with a sale date in mind should weigh whether an ARM is a poor choice when selling soon.
How much equity can I access with a jumbo cash-out refinance in Fort Lauderdale?
Maximum loan-to-value is commonly near 80% on a primary home and lower on very large loans, subject to credit, reserves, and the appraisal. Owners in Rio Vista, Victoria Park, and Lighthouse Point can draw on equity with a jumbo cash-out refinance. A new, larger jumbo loan pays off the existing mortgage, and the owner receives the balance in cash. Broward County homeowners with VA entitlement may be able to use a VA cash-out refinance or a VA jumbo cash-out refinance, and both come without monthly mortgage insurance.
Can veterans finance a higher-priced home in Fort Lauderdale with a VA loan?
Eligible veterans and active-duty service members, including personnel assigned to U.S. Southern Command in Doral, may be able to use a VA loan above the conventional limit in Broward County. A qualified borrower may buy a higher-priced home with $0 down and no monthly PMI. Borrowers with full entitlement may find that VA jumbo loans carry no set loan limit.
Can I refinance a jumbo loan in Fort Lauderdale?
Yes. Owners use a jumbo refinance to lower the rate, replace an ARM with a fixed loan, or take equity out of a high-value property. Business owners in Broward County can also consider refinancing options for Florida business owners that rely on deposits for income.
What can I do if a bank denied my jumbo loan in Fort Lauderdale?
One bank's denial usually says more about its internal overlays than about the borrower. Each wholesale jumbo lender has its own treatment of bonus income, RSUs, business income, and large asset balances. As a broker, we can send the same file to a lender with guidelines that suit it. Buyers already under contract still have choices after a jumbo loan denial.
How much do I need to put down on a jumbo loan in Fort Lauderdale?
Jumbo lenders in Broward County generally require 10% to 20% down on a primary residence. Borrowers with top credit and reserves get the smallest down payments, while second homes and investment properties need more. A vacation home in Destin or along 30A is underwritten as a second home, so a Broward County owner should budget for the larger down payment. Lenders also count the reserves left after closing. Credit, occupancy, and loan size determine jumbo and Non-QM mortgage down payments under each program. Owners who make the home a primary residence may file for the Florida homestead exemption to reduce property taxes.
Why Choose LendFriend?
Jumbo lending is a core specialty at LendFriend Mortgage, not a side product. We pair each borrower with a jumbo lender that fits the property, the financial profile, and the goal of the loan. Fees are disclosed in advance, and the process is organized to move quickly. Buyers across Broward County can choose a 30-year fixed loan, a 7/1 ARM, or a flexible Non-QM option.
Around the Clock
You can reach our team 7 days a week to compare jumbo mortgage rates and lender options. We finance primary homes, second homes, and investment properties.
Loan Options
Our jumbo financing includes conventional fixed rates, ARMs, bank statement loans, and asset depletion loans. We recommend a program after reviewing your income, assets, and plans for the home.
Get Pre-Approved Quickly
A jumbo preapproval shows a seller that you can close on a higher-priced home and makes your offer stronger. You can complete the online jumbo loan application in minutes.
Competitive Rates with No Points
We shop several jumbo lenders for a competitive rate on your profile and avoid unnecessary points and hidden charges.
Personalized Mortgage Guidance
You work with one jumbo mortgage expert who explains each option, prepares the file for approval, and follows it through underwriting.
Close in as little as 14 days
Our process is built for larger transactions, and many jumbo loans close in as little as 14 days in competitive markets such as Fort Lauderdale, Lighthouse Point, Weston, and Parkland.