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Jumbo Non-QM Loans in Jacksonville, Florida

Ponte Vedra Beach, St. Augustine, Jacksonville and Fernandina Beach attract buyers purchasing oceanfront homes, riverfront estates along the St. Johns and golf community residences at Sawgrass and on Amelia Island. LendFriend offers jumbo Non-QM financing, including asset depletion loans for borrowers with substantial investment portfolios and bank statement loans for self-employed buyers, with more flexible qualification options than many traditional banks allow.

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Why Homebuyers Trust LendFriend With Their Jumbo Loans in Jacksonville

Northeast Florida buyers purchasing a high-value home often need more than a standard jumbo mortgage can offer. LendFriend works with buyers of primary residences, second homes, condos and investment properties in Duval, St. Johns and Nassau counties, with jumbo and jumbo Non-QM programs from more than 40 wholesale lenders.

We regularly help buyers finance homes in Ponte Vedra Beach, St. Augustine, Jacksonville, Fernandina Beach, Jacksonville Beach and Atlantic Beach, where oceanfront values, executive compensation and military relocations can make lender guidelines more complicated.

Jumbo Loans Built Around the Borrower

Salaried buyers with strong reserves usually clear a jumbo approval without trouble. Executives paid in stock, business owners, retirees and buyers with several income sources may need a lender that reads their finances differently.

LendFriend offers jumbo loans across a wide range of borrower profiles, including:

  • Bank statement jumbo loans for eligible self-employed borrowers who document income with business or personal deposits instead of tax returns
  • Asset depletion jumbo loans for borrowers qualifying with eligible investment and retirement assets
  • No-ratio jumbo loans for eligible borrowers buying or refinancing a primary residence who qualify chiefly on credit, assets and the property rather than a debt-to-income calculation

Financing for Oceanfront, Riverfront and Golf Community Homes

Jacksonville-area buyers purchase oceanfront homes on Ponte Vedra Boulevard, riverfront residences in Ortega, San Marco and Epping Forest, and golf homes in Sawgrass, Marsh Landing and Amelia Island Plantation. Many also buy new construction in Nocatee or a historic home in St. Augustine, and each property type brings its own appraisal and insurance questions at a jumbo loan amount.

We help borrowers finance waterfront homes, club residences and newly built houses. Occupancy, reserves, flood and wind coverage, condo project review and the way the borrower earns or holds wealth all shape the lender we select.

A Faster, More Responsive Jumbo Process

Sellers at the Beaches and in St. Johns County tend to favor buyers who can close on a firm date. We review income, assets and credit early, keep in close contact with the lender, appraiser and title company, and use our lender relationships to keep qualified loans on schedule. For prepared borrowers, a jumbo loan may close in as little as 14 days.

Trusted by Homebuyers

We’ve helped thousands of homebuyers navigate everything from straightforward purchases to highly complex financing, and more than 1,000 reviews speak to the results. Borrowers regularly praise our communication, speed, creativity and follow-through.

Loan Programs To Suit Every Duval and St. Johns County Borrower's Needs!

Our access to more than 40 wholesale lenders supports jumbo loan options for Northeast Florida buyers who do not fit one bank's guidelines. Qualified borrowers can choose among bank statement loans, asset depletion loans, crypto mortgages, and the other programs shown below.

Asset Depletion Loans in Jacksonville

Asset Depletion Loans in Jacksonville

An asset depletion mortgage allows eligible brokerage accounts, retirement funds and savings to be converted into qualifying income for a home purchase. It can be a strong fit for retired executives and investors in Ponte Vedra Beach, Atlantic Beach and on Amelia Island whose assets are substantial but whose documented income may be limited.

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Self Employed Mortgages in Jacksonville

Self Employed Mortgages in Jacksonville

Business owners in Northeast Florida often show less taxable income than their actual cash flow would suggest. Our self-employed mortgage options can use bank statements to qualify without relying on traditional tax-return income, giving founders, contractors and practice owners across Duval, St. Johns and Nassau counties more ways to finance a home.

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Crypto Mortgages in Jacksonville

Crypto Mortgages in Jacksonville

A crypto mortgage can allow qualified buyers to use Bitcoin, Ethereum and other eligible digital assets to help qualify for a home purchase while keeping their holdings intact. Buyers in Jacksonville Beach, Ponte Vedra Beach and St. Augustine may be able to finance up to $5 million with a jumbo crypto mortgage.

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RSU Mortgages For Corporate Employees in Jacksonville

RSU Mortgages For Corporate Employees in Jacksonville

Restricted Stock Units can represent a significant portion of compensation for executives at the public companies headquartered in Jacksonville. Our RSU mortgage program can use vested RSU income alongside salary, helping employees at companies such as CSX, FIS, Fidelity National Financial and Landstar System qualify for higher loan amounts.

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Buy Before You Sell in Jacksonville

Buy Before You Sell in Jacksonville

Our Buy Before You Sell program helps qualified homeowners in Mandarin, San Marco or the Southside purchase their next home at the Beaches before their current property sells. A bridge loan can unlock equity from the departing residence for the down payment, while the new offer can be made without a home-sale contingency and the existing property can be sold separately.

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Jumbo No-Ratio Loans in Jacksonville

Jumbo No-Ratio Loans in Jacksonville

With a no-ratio loan, qualifying borrowers can finance a primary residence in Jacksonville without a traditional debt-to-income calculation. These loans can be particularly useful for high-net-worth buyers, investors and business owners in St. Johns County with substantial credit, assets and reserves who may not fit conventional income guidelines.

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Luxury home near Ponte Vedra Beach, Florida

Straightforward Qualification That Works for Buyers in Ponte Vedra Beach, St. Augustine and Jacksonville

What it takes to qualify for a jumbo loan in Ponte Vedra Beach, Jacksonville, St. Augustine or Fernandina Beach is usually the first thing buyers want to know. We review credit, income, assets, reserves and the property at the outset, so you know which programs fit before you make an offer.

Clear qualification guidelines for jumbo loans

Our team explains credit, debt-to-income, reserve and documentation requirements early. You get a clear view of what you may qualify for on the property you choose.

More options for self-employed and retired buyers

LendFriend offers jumbo bank statement loans to eligible self-employed borrowers who document income with deposits. Retirees and high-net-worth buyers may instead use jumbo asset depletion loans, which qualify on eligible investment and retirement assets.

Get Started On Your Jacksonville Jumbo Loan

You may be buying an oceanfront home in Ponte Vedra Beach, a riverfront residence in Ortega or a beach house on Amelia Island. LendFriend can help you find a home loan in Florida that fits your financial profile.

Apply online or schedule a call with our team to compare your options, current jumbo mortgage rates in Northeast Florida and the documents required to move forward. Qualified borrowers who are under contract can also ask us to position the loan for a faster closing.

Home in the Jacksonville & St. Augustine area of Florida

Jumbo Non-QM Loan Examples for Jacksonville and St. Augustine Buyers

Corporate executives, physicians, business owners and retirees across Northeast Florida often need a large loan that one bank will not approve as presented. Each example below is illustrative. Each one shows how lenders may structure jumbo loans for Florida homes using asset depletion loans, bank statement loans and jumbo no-ratio loans for a purchase or a cash-out refinance. Jumbo no-ratio loans are available for a primary residence only.

$1.9M Asset Depletion Loan in St. Augustine

A retired couple buying a $2.7M home on Anastasia Island in St. Augustine wants a $6M portfolio of brokerage and retirement accounts to stay invested. A jumbo asset depletion loan can convert those balances into qualifying income for a $1.9M mortgage. They put $800,000 down and sell no investments to close.

$3.5M Cash-Out Asset Depletion Loan in Ponte Vedra Beach

A Ponte Vedra Beach homeowner holds an oceanfront residence worth about $5.5M with a $1.5M mortgage and no salary after stepping away from a company. A jumbo asset depletion loan can qualify a $3.5M cash-out refinance on a $12M portfolio, with no employment income documented. The loan equals 64% of value and returns about $2M to the owner.

$2.1M Bank Statement Loan in Fernandina Beach

The owner of a marine services company is buying a $2.9M home at Amelia Island Plantation in Fernandina Beach and reports low taxable income after equipment write-offs. A jumbo bank statement loan can qualify a $2.1M mortgage on 24 months of business deposits, with no tax returns. He brings $800,000 to closing, and the loan can be ready inside a 30-day contract.

$2.4M Cash-Out No-Ratio Loan in Atlantic Beach

An Atlantic Beach owner holds an oceanfront primary residence worth about $4.2M with a $1M mortgage, and most of his wealth sits in a closely held business. A jumbo no-ratio loan, offered for a primary residence only, can support a $2.4M refinance on equity, credit, reserves and mortgage history. The refinance releases roughly $1.4M at 57% of value, with no debt-to-income ratio calculated.

Jumbo Mortgage Options Beyond Jacksonville

Northeast Florida sits at the Georgia line, and many local buyers own or shop for homes in other markets. Job transfers, second homes and seasonal living all extend the search. We arrange jumbo financing in many of the places these buyers consider.

Within the state, we finance higher-priced homes from Ponte Vedra Beach and Amelia Island to South Florida and the Gulf Coast. Statewide jumbo loans in Florida cover primary residences, second homes and investment properties. Two hours south on I-95, many Jacksonville families keep a condo in Cocoa Beach or Melbourne Beach on the Space Coast. Others compare Winter Park and Windermere homes in Orlando when a job moves them to Central Florida.

Buyers moving farther south often look at Jupiter and Palm Beach, where our Palm Beach County clients own golf and oceanfront homes. Gulf Coast searches include Tampa and the Pinellas County cities of St. Petersburg and Clearwater, as well as Naples and Marco Island.

Georgia is the closest out-of-state market. We arrange jumbo loans in Georgia for homes on Sea Island and St. Simons Island and in Savannah, and we serve corporate relocations to Atlanta. Coastal buyers also look north to South Carolina, including Hilton Head Island, Kiawah Island and Charleston. Mountain homes near Highlands, Cashiers and Asheville bring Jacksonville owners to North Carolina each summer.

Whether your next home is at the Beaches, on the Georgia coast or in another state, we can help you assess jumbo mortgage options before an offer goes out.

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.

“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!”

Krishan Paramesvaran Reviewed June 2026

“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!”

Eddie Huang Reviewed February 2026

“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.”

Kaitlyn Graziose Reviewed October 2025

“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.”

Melissa Garringer Reviewed August 2026

“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!”

Nora Jenkins Reviewed July 2026

“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 !!”

Keebln Wheeler Reviewed July 2026

FAQs – Getting a Jumbo Loan In Jacksonville

What loan amount qualifies as a jumbo loan in Duval County and St. Johns County?

For 2026, Duval County has a conforming loan limit of $832,750 for a one-unit property. Loans above this limit are jumbo loans.

St. Johns and Nassau counties carry the same 2026 limits as Duval County:

  • Single-unit property: $832,750

  • Two-unit property: $1,066,250

  • Three-unit property: $1,288,800

  • Four-unit property: $1,601,750

Homes in Ponte Vedra Beach, Atlantic Beach, St. Augustine, and Fernandina Beach regularly exceed these amounts, and buyers there commonly finance with jumbo mortgages.

How much can I borrow with a jumbo loan in Jacksonville?

Borrowers with strong credit, equity, and reserves can secure jumbo loans in Florida in the multi-million range. Each lender sets its ceiling by credit score, loan-to-value ratio, and reserves, and those standards differ enough to matter when choosing a lender for a jumbo loan. Better qualifications tend to lower the rate and improve the terms.

Do jumbo loans require perfect credit?

No. A credit score of 750 or above helps a borrower obtain the best jumbo pricing. Applicants with lower scores may still qualify if the file includes a larger down payment or significant liquid assets.

Can I get a jumbo loan in Jacksonville if I am self-employed or have complex income?

Yes. We place borrowers in Jumbo Non-QM programs such as bank statement loans and asset depletion loans. Entrepreneurs, consultants, and retirees purchasing in Ponte Vedra Beach or St. Augustine may qualify with no W-2s or traditional tax returns. Income source usually decides whether an asset depletion loan or a bank statement loan fits better.

What property types are eligible for jumbo financing in Jacksonville?

Jumbo loans are available on single-family homes, condos, townhomes, and 2–4 unit properties. Typical properties include a Sawgrass Country Club home, an Epping Forest residence, an oceanfront condo in Jacksonville Beach, or a historic home in St. Augustine.

 

How do jumbo loan interest rates compare to conventional rates?

Jumbo rates in Northeast Florida are commonly comparable to conventional rates, and they can be lower for strong files. Lender competition is strongest for well-qualified borrowers in Ponte Vedra Beach and the Beaches communities.

Is an adjustable-rate mortgage a good option for a jumbo loan in Jacksonville?

It may be when the expected holding period is shorter than the fixed period of the loan. A 5/1 or 7/1 jumbo ARM locks the rate for five or seven years and commonly prices under a 30-year fixed. Corporate and military families who expect a transfer may benefit from the lower early payment on a Ponte Vedra Beach or Atlantic Beach home. Pricing of this kind is why ARMs have regained favor with jumbo borrowers. A planned move also raises the question of whether an ARM is a poor choice before a sale.

How much equity can I access with a jumbo cash-out refinance in Jacksonville?

A jumbo cash-out refinance replaces the current mortgage with a larger jumbo loan and pays the owner the difference in cash. Owners in Ponte Vedra Beach, San Marco, and Ortega use it to reach equity built over years of ownership. Loan-to-value limits are commonly around 80% on a primary home and lower at very high loan amounts, subject to credit, reserves, and the appraisal. Veterans in Jacksonville with VA entitlement may qualify for a VA cash-out refinance or a VA jumbo cash-out refinance, and both come without monthly mortgage insurance.

Can I use a VA loan for a jumbo purchase in Jacksonville?

Northeast Florida has a large military community anchored by Naval Air Station Jacksonville and Naval Station Mayport. Eligible veterans and active-duty service members may be able to use a VA loan above the conventional limit, 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 Jacksonville?

Yes. A jumbo refinance may cut the rate, exchange an ARM for a fixed loan, or turn equity into cash. Self-employed owners in Duval and St. Johns counties may use refinancing options for Florida business owners that qualify on deposits.

What can I do if a bank denied my jumbo loan in Jacksonville?

A denial frequently traces to the overlays of the bank that issued it. Among wholesale jumbo lenders, guidelines vary for RSUs, bonus income, business income, and large asset balances. We can resubmit the file to a lender whose rules fit the borrower. Buyers have practical options when a jumbo loan is denied, even with a closing date approaching.

How much do I need to put down on a jumbo loan in Jacksonville?

Jumbo lenders in Duval, St. Johns, and Nassau counties usually ask for 10% to 20% down on a primary residence. The 10% options go to borrowers with the strongest credit and reserves, and second homes and investment properties require larger amounts. Lenders weigh reserves after closing alongside the down payment. Program, occupancy, and loan size all shape jumbo and Non-QM mortgage down payments. A buyer who makes the home a permanent residence may apply for the Florida homestead exemption.

Learn More About Jumbo Non-QM Loans

And our Learning Center gives you access to everything you need to know about jumbo loans, from down payment options and rate structure to underwriting, reserves, and refinancing. Read some of our favorite jumbo loan articles below.

The LendFriend Advantage for Jumbo Borrowers in Florida

LendFriend Mortgage treats jumbo lending as a primary discipline. Each borrower is matched with a jumbo lender that fits the property, the financial profile, and the objective. We charge no hidden fees and run the process to close quickly. Northeast Florida buyers can choose a 30-year fixed loan, a 7/1 ARM, or a flexible Non-QM option.

Around the Clock

Our team is available seven days a week to answer questions, review pricing and keep your loan moving. Whether you are buying in Ponte Vedra Beach, St. Augustine, Fernandina Beach or elsewhere in Northeast Florida, you can reach someone who knows your file and can give you a clear answer.

Loan Options

Access fixed-rate jumbo loans, ARMs, bank statement loans, asset depletion loans and other specialized mortgage programs through more than 40 wholesale lenders. This gives us more flexibility to match the financing to your income, assets and property.

Get Pre-Approved Quickly

A strong pre-approval can make a meaningful difference when competing for a higher-priced home. We review your financial profile early, identify the right loan program and issue pre-approvals quickly so you can make an offer with confidence.

Personalized Mortgage Guidance

You work directly with an experienced mortgage professional who helps you understand your options, prepares the file for underwriting and stays involved through closing. Complex income, large asset portfolios and unusual property scenarios get the attention they require.

Close in as little as 14 days

Our lending relationships and experience with larger loan amounts help us move qualified jumbo borrowers through underwriting efficiently. In competitive markets like Ponte Vedra Beach, Atlantic Beach, and Jacksonville Beach, many loans can close in as little as 14 days when timing matters.

Reach out today and receive a custom rate quote for your Jacksonville home financing in less than 2 minutes.