Mortgage Broker in Tampa & St. Petersburg for Jumbo Non-QM Loans
As a mortgage broker serving Tampa, St. Petersburg, and the beach towns of Pinellas County, we combine competitive jumbo pricing with flexible guidelines and quick approvals. Self-employed, retired, or buying a luxury waterfront home, you will find loan options structured around your goals.
Why Homebuyers Trust LendFriend With Their Jumbo Loans in Tampa and St. Petersburg
At LendFriend Mortgage, we focus on jumbo loans for high-value homes across Tampa Bay, helping buyers finance luxury primary residences, second homes, and investment properties with accuracy and speed. Whether you are purchasing a waterfront estate on Davis Islands, a condo along Bayshore Boulevard, or a custom home in Snell Isle, our broker model opens up competitive jumbo mortgage options shaped around how you buy and live.
We work with a broad network of jumbo lenders to offer 30-year fixed, adjustable-rate mortgages (ARMs), and Non-QM jumbo loans designed for the price points and property types found throughout Hillsborough and Pinellas counties.
More Than Just a 30-Year Fixed Jumbo Loan
Not every Tampa Bay buyer intends to hold a property for the long term. For that reason we offer jumbo ARM options, including 7/1 and 5/1 adjustable-rate mortgages, which often carry lower initial payments and more flexibility for second-home buyers or anyone planning a future move.
We help you select the structure that fits your ownership timeline rather than whatever is easiest to quote.
Flexible Jumbo Qualification for Self-Employed and Retired Buyers
Many jumbo borrowers in Tampa and St. Petersburg do not fit neatly into traditional income categories. As a mortgage broker, we offer Non-QM jumbo loan solutions such as:
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Bank statement loans for self-employed buyers and business owners
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Asset depletion loans for retirees and high-net-worth borrowers who would rather qualify on investments than on W-2 income
These loan options let qualified buyers purchase high-value properties without unnecessary friction or forced income documentation.
Custom Jumbo Pricing and Loan Structuring
Jumbo pricing is never one-size-fits-all. We build each loan deliberately, balancing loan-to-value, reserves, term, and rate structure to secure the most competitive jumbo mortgage options available to Tampa Bay buyers.
Our job is not simply to find a rate. It is to structure a loan that performs well today and stays flexible over time.
Faster Jumbo Closings for Competitive Tampa Bay Deals
High-end transactions call for efficiency. Our jumbo mortgage process is built for complex, high-value purchases, and many of our Tampa and St. Petersburg clients close in as little as 14 days. We coordinate closely with real estate agents, title companies, and lenders to keep deals moving without surprises.
What Our Jumbo 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 -
Working with the LendFriend team was an excellent experience. They are all very responsive and on top of things and have very competitive rates. They can stand to communicate a little bit more actively once the rate is locked and goes into underwriting. Overall, I would work with LendFriend again and would highly recommended others work with the team.
Judah Kishk
Closed December 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
Loan Programs To Suit Every Tampa Bay Borrower's Needs!
With access to hundreds of mortgage investors, LendFriend offers jumbo loan options for buyers who need more flexibility than a traditional lender can offer. From bank statement loans to asset depletion loans and crypto mortgages, we help qualified borrowers find a path forward.
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Asset Depletion Loans in Tampa Bay
Put your assets to work to qualify for your next home with an asset depletion mortgage. Bank accounts, investment portfolios, and retirement funds can count as income. These loans suit high net worth individuals in Tampa and St. Petersburg whose income is non-traditional.
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Self Employed Mortgages in Tampa Bay
Getting a mortgage on self employed income should not be this hard. We make it simple with self employed mortgage options that do not require tax returns or W2s. No red tape, just real solutions for business owners across Hillsborough and Pinellas counties.
Crypto Mortgages in Tampa Bay
Buy a home with bitcoin without selling a token through a crypto mortgage. No income needed. Qualify for your next home using your Bitcoin and Ethereum holdings alone.
RSU Mortgages For Tech Employees in Tampa Bay
Use your Restricted Stock Units to qualify for a mortgage without waiting or cashing out shares. Our RSU mortgage program treats vested stock grants as income, giving equity-compensated professionals at employers like Jabil and Raymond James a quicker route to homeownership.
Buy Before You Sell in Tampa Bay
Move into your new home before your current one sells with our Buy Before You Sell program. Access your equity upfront, skip contingent offers, and buy with confidence, without the stress of lining up two closings.
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VA Jumbo Loans in Tampa Bay
Eligible veterans and active-duty service members, including those stationed at MacDill Air Force Base, may be able to use a VA loan above the conventional limits on a higher-priced home with $0 down, no monthly PMI, and competitive rates.
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Straightforward Qualification That Works for Buyers in Tampa, St. Petersburg and Clearwater
Wondering what it takes to qualify for a jumbo loan in Tampa, St. Petersburg, Belleair, or Clearwater Beach? At LendFriend, we keep the process clear.
Transparent income, credit & DTI guidelines
We walk through jumbo loan requirements, from credit score and documentation to debt-to-income ratios, so you can plan ahead with confidence.
Flexible solutions for self-employed professionals and retirees
Not everyone fits into a W-2. For that reason we specialize in self-employed jumbo loans and asset depletion loans, a strong fit for entrepreneurs, investors, and retirees financing high-value homes in Belleair, Tierra Verde, and the surrounding Gulf beach communities.
Ready When You Are – Let's Get Started
Whether you are buying a Davis Islands waterfront estate, a Belleair golf-course home, a downtown St. Petersburg luxury condo, or a Clearwater Beach retreat, our team shapes jumbo mortgages around your goals. From 10% down jumbo loan options to specialty Non-QM solutions for self-employed and retired buyers, we make sure you are positioned to succeed.
Apply for a jumbo loan online today or connect with a local expert. We will compare current jumbo mortgage rates in Florida, explain how jumbo loans differ from conforming mortgages, and lay out a clear plan to reach closing. Many of our clients in Tampa, St. Petersburg, Belleair, and Clearwater close in as little as 14 days.
Jumbo Mortgage Options Beyond Tampa Bay
Many buyers searching in Tampa, St. Petersburg, Belleair, Clearwater Beach, and other Tampa Bay communities are also weighing homes elsewhere along the Gulf Coast. LendFriend works with buyers across Florida, including borrowers comparing a waterfront second home in Pinellas County with a primary residence closer to downtown Tampa.
Farther south, buyers looking in Sarasota, Longboat Key, and Naples often face similar or higher purchase prices. Our page on jumbo loans in Naples explains financing options for buyers purchasing higher-priced homes in Port Royal, Pelican Bay, and the rest of Collier County.
The search can also extend across the state. Buyers considering Boca Raton, Palm Beach, Miami, and Jacksonville can access financing for higher-priced homes on the Atlantic coast, while those researching the market more broadly can learn more about jumbo loans in Florida, including down payments, qualification requirements, and larger loan amounts.
Whether your search stays in Tampa Bay or expands down the Gulf Coast or across to the Atlantic side, LendFriend can help you evaluate your financing before you make an offer, and our buyer's guide to financing a luxury home in Florida walks through what to expect at larger loan amounts.
FAQs – Getting a Jumbo Loan In Tampa Bay
What loan amount qualifies as a jumbo loan in Hillsborough and Pinellas counties?
In both Hillsborough and Pinellas counties, the 2026 conforming loan limit for a one-unit property is $832,750. Any mortgage above this figure is considered a jumbo loan.
Here is the breakdown of the 2026 limits for Tampa Bay:
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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
Because luxury homes in Davis Islands, Snell Isle, Belleair, and Clearwater Beach routinely exceed these thresholds, jumbo mortgages are the standard financing solution in the area.
How much can I borrow with a jumbo loan?
With strong qualifications, jumbo loans in Tampa Bay can reach well into the multi-million range. Approval turns on factors such as credit score, loan-to-value ratio, and reserves. Stronger credit and deeper reserves open the door to lower jumbo rates and better terms.
Do jumbo loans require perfect credit?
No. A 750+ score helps secure the best jumbo pricing, but borrowers with somewhat lower scores may still qualify when they bring compensating strengths, such as a larger down payment or significant liquid assets.
Can I get a jumbo loan if I’m self-employed or have complex income?
Yes. We offer Non-QM jumbo programs such as bank statement loans and asset depletion loans. These let entrepreneurs, consultants, and retirees who want to live in Tampa or St. Petersburg 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. Whether it is a Davis Islands waterfront estate, a Belleair Shore beachfront property, a downtown St. Petersburg luxury condo, or a historic Hyde Park home, we will structure the right jumbo financing solution.
How do jumbo loan interest rates compare to conventional rates?
In Tampa Bay, jumbo rates are often competitive with conventional rates and sometimes lower. Lenders compete aggressively for high-quality jumbo borrowers in sought-after areas such as Davis Islands and Snell Isle.
How much equity can I access with a jumbo cash-out refinance in Tampa Bay?
Lenders in the Tampa Bay market look closely at credit, reserves, and the appraisal, with maximum loan-to-value commonly around 80% on a primary home and lower on very large loans. Equity built in South Tampa, Belleair, and St. Petersburg can be reached through a jumbo cash-out refinance, which replaces your current mortgage with a larger jumbo loan and pays you the difference in cash. Tampa Bay homeowners with VA entitlement, including many MacDill families, can often go further with a VA cash-out refinance or a VA jumbo cash-out refinance, both of which carry no monthly mortgage insurance.
Can I refinance a jumbo loan?
Yes. A jumbo refinance can lower your rate, move you from an ARM to a fixed loan, or let you draw on equity in a high-value property. Many Hillsborough and Pinellas County homeowners refinance to save money or restructure debt.
Why Choose LendFriend?
At LendFriend Mortgage, jumbo loans are not just one program among many. They are a core specialty. We pair borrowers with the right jumbo lender for their property, financial profile, and goals, with no hidden fees and a process built for speed. Whether you prefer a 30-year fixed, a 7/1 ARM, or a flexible Non-QM option, we make it simple to get approved and close quickly.
Around the Clock
We are available 7 days a week to help you compare jumbo mortgage rates, review lender options, and move ahead with confidence, whether you are buying a primary home, second home, or investment property.
Loan Options
We offer a full range of jumbo financing solutions, from conventional fixed rates to ARMs, bank statement loans, and asset depletion loans, so you get the right fit for your goals.
Get Pre-Approved Quickly
Our jumbo preapproval process strengthens your offer and shows sellers you can close on a higher-priced property. You can apply for a jumbo loan online in minutes, which makes getting started faster and easier.
Competitive Rates with No Points
We shop multiple jumbo lenders to find the most competitive rates for your profile, with no unnecessary points or hidden charges.
Personalized Mortgage Guidance
You will work one-on-one with a jumbo mortgage expert who explains your options, helps structure your file for approval, and guides you through underwriting with clarity.
Close in as little as 14 days
Our process is designed for larger transactions, so most jumbo loans close in as little as 14 days, even in competitive markets like Davis Islands, Hyde Park, Snell Isle, and Belleair