Mortgage Broker in Naples, FL for Jumbo & Non-QM Loans

In Collier County, the 2026 conforming loan limit for a one-unit property is $832,750. Any mortgage above this amount is considered a jumbo loan. Since most homes in Port Royal, Aqualane Shores, Grey Oaks, and Pelican Bay far exceed this threshold, jumbo mortgages are the standard financing option in Naples.

With strong qualifications, jumbo loan amounts in Naples can reach well 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.

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.

Yes. We offer non-QM jumbo programs like bank-statement mortgages and asset-depletion loans. These allow entrepreneurs, consultants, and retirees in Naples to qualify without relying solely on W-2s or traditional tax returns.

Eligible properties include single-family homes, condos, townhomes, and 2–4 unit properties. We’ll structure the right jumbo financing solution.

Eligible properties include single-family homes, condos, townhomes, and 2–4 unit properties. Whether it’s a Port Royal waterfront estate, an Aqualane Shores coastal home, a Grey Oaks golf villa, or a Pelican Bay condo, we’ll structure the right jumbo financing solution. Buyers who prefer open neighborhoods near the water also consider Sarasota and Siesta Key, and the same jumbo lenders finance homes in both markets.

Yes. A jumbo cash-out refinance replaces your current mortgage with a larger loan and returns part of your equity as cash, and it is widely used by homeowners in Port Royal, Pelican Bay and Old Naples. Most jumbo lenders serving Naples cap cash-out near 80% of the appraised value on a primary residence, and the ceiling tends to fall as the loan amount rises. Veterans in Naples should also compare a VA cash-out refinance and, for larger balances, a VA jumbo cash-out refinance, since VA financing can allow more equity out than a conventional jumbo loan.

Eligible veterans and active-duty service members buying higher-priced homes may be able to use a VA loan above the conventional limits with $0 down, no monthly PMI, and competitive rates. With full entitlement, VA jumbo loans may extend past the county limit without a required down payment.

In Southwest Florida, jumbo loan rates are often competitive with — and sometimes lower than — conventional rates. That’s because lenders aggressively compete for qualified jumbo borrowers in high-demand markets like Naples. Farther up the Gulf Coast, lenders compete just as hard for jumbo loans in Tampa and St. Petersburg.

It may be, and the holding period usually decides the question. A 5/1 or 7/1 jumbo ARM keeps a fixed rate for the first five or seven years and often prices below a 30-year fixed. Seasonal owners in Pelican Bay or Park Shore who expect to sell or pay off the loan within that period are common candidates. The lower starting rate is one reason jumbo ARMs have regained favor with borrowers. A buyer with a firm sale date should also consider how an ARM performs over a short holding period.

A bank denial often reflects that institution's own overlays and says little about other lenders. Wholesale jumbo lenders count trust income, business income, RSUs, and investment balances in different ways. We can move the file to a wholesale lender whose guidelines fit the borrower's income and assets. A Naples buyer with a contract deadline still has several options after a jumbo loan denial.

Jumbo lenders in Collier County generally 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 usually need more. Lenders also measure the reserves that remain after closing. Each program sets its own minimum, and jumbo and Non-QM mortgage down payments vary with credit, occupancy, and loan size. Year-round residents may also apply for the Florida homestead exemption on a primary home.