Non-QM and Jumbo Loans for Virginia Homebuyers
If you're looking to buy a luxury home in Virginia, we make securing financing easy with jumbo loans up to $5 million. Whether you’re considering a property in McLean, Arlington, or Charlottesville, our team offers competitive rates and personalized solutions to fit your unique financial situation, ensuring a smooth, fast process from pre-approval to closing.
Jumbo & ARM Options Built for Northern Virginia
In 2025, the jumbo loan limit in Virginia is $1,209,750 in most high-cost counties. Our jumbo mortgage options give you the power and speed to win in competitive neighborhoods like McLean, Great Falls, and Old Town Alexandria.
- Higher Loan Amounts up to $5M+ with no conforming restrictions
- 30-year fixed plus 5/1, 7/1, and 10/1 ARM choices
- Competitive jumbo loan rates in Virginia for strong borrowers
- Same-day pre-approvals that sellers trust
- Personalized for self-employed, executives, investors, and layered income
Loan Programs To Suit Every Borrower's Need!
With access to hundreds of mortgage investors, we offer a range of jumbo loan options customized to fit your unique financial situation. Whether you’re self-employed, have 1099 income, or want to use your investments, we provide the flexibility that traditional banks can’t. From Northern Virginia to Charlottesville, we're here to say yes where others say no. Let us help you secure the financing you need to purchase your dream home.
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Self-Employed & 1099 Earners
Don’t worry about tax returns or W-2s. We make it easy for business owners and freelancers to qualify with just bank statements.
Crypto-Backed Mortgages
Want to use your Bitcoin or Ethereum to buy a home? You don’t have to sell your crypto. We can help you leverage it to secure financing.
RSU Mortgages for Tech Executives
If you have stock options or RSUs, we can count them as income right away; no need to cash them out to qualify.
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Asset-Based Lending for High-Net-Worth Individuals
Use your assets, like retirement accounts and investment portfolios, to qualify, so you don’t need to rely on traditional income.
Buy Before You Sell
Move into your new home before selling your current one. This option helps you avoid the stress of timing two closings.
How We Get You Approved for a Jumbo Loan in Virginia
Traditional banks want W-2s and simple pay stubs, but many Virginia buyers, whether they’re executives, entrepreneurs, or high-net-worth individuals, don’t have that. Here’s how we make getting approved for a jumbo loan in Virginia easy and simple:
Self-Employed or 1099: We use 12-24 months of bank statements in place of W-2s.
Bonus, RSU, or Stock Income: We utilize flexible guidelines to make sure that you get the most of your additional compensation.
High DTI or Complex Finances: We accept up to 50% DTI and work with layered financial profiles.
Crypto-Backed Mortgages: Use Bitcoin or Ethereum as collateral for your home purchase without liquidating assets.
Reserves in Investments: We use your investment portfolios to strengthen your application and improve approval chances.
We understand the unique financial situations of Virginia homebuyers and are committed to helping you secure the financing you need.
Why Choose LendFriend for Your Jumbo Loan in Virginia?
At LendFriend Mortgage, we specialize in securing jumbo loans for buyers in Virginia’s luxury markets. Whether you’re looking to purchase a home in Northern Virginia or Richmond, we make the financing process simple, fast, and transparent. Here’s why Virginia buyers trust us with their jumbo loans:
Access to High-Value Properties: We finance homes that exceed Virginia’s jumbo loan limits, allowing you to secure high-end properties without sweating.
Flexible Loan Programs: Choose from fixed-rate, ARMs (7/1, 10/1), non-QM, and asset depletion options personalized to your needs.
Top Rates Without Hidden Fees: We shop multiple lenders to secure the best rates for your profile, no surprise fees or points.
Dedicated, Personalized Guidance: Work directly with an expert who understands Virginia’s real estate market, guiding you through every step of the process.
Start Your Virginia Jumbo Loan Application Today
Take the first step toward securing your Virginia luxury home with a jumbo loan that fits your needs. Whether you're purchasing in Northern Virginia, McLean, or Charlottesville, we’ll help you find the right loan to fit your goals.
Here’s how it works:
Apply Online in Minutes - Complete your application quickly and get your rate assessment instantly.
Expect a Call Within 24 Hours - Our team will walk you through your personalized options.
Close Fast - We close many loans in 30 days or less, with a clear timeline from start to finish.
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 -
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 Virginia
What loan amount qualifies as a jumbo loan in Northern Virginia?
Whether you live in Arlington County or Fairfax County, the 2025 conforming loan limit for a one-unit property is $1,209,750. Any mortgage above this amount is considered a jumbo loan.
Because home prices in communities like Arlington, McLean, Great Falls, and Richmond often exceed this threshold, jumbo mortgages are the standard financing option for many Northern Virginia buyers.
How much can I borrow with a jumbo loan?
With strong qualifications, jumbo loans can reach well into the multi-million range. Approval depends on factors like 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 I get a jumbo loan if I’m self-employed or have complex income?
Yes. We offer non-QM jumbo programs like bank-statement mortgages and asset-depletion loans. These allow entrepreneurs, consultants, high net worth individuals and retirees who want to live in Northern Virginia 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, second homes, and 2–4 unit investment properties. That might mean a McLean luxury home, an Arlington townhouse, a Great Falls estate, or a Richmond property. We match you with jumbo lenders that offer the best fit for your property type.
What are today's jumbo rates?
30-year jumbo mortgage rates are often very competitive with conventional loan rates—and in some cases, even lower. Many borrowers in Virginia are choosing jumbo ARM rates like a 7/1 or 10/1 if they expect to refinance, sell, or relocate within a few years. We compare current jumbo mortgage rates across lenders to ensure you secure the best structure for your situation.
Do jumbo loans require 10% down?
Many jumbo programs start at 10% down for strong borrowers, but requirements vary by lender, loan size, property type, and borrower profile. In competitive high-cost markets like Arlington, McLean, or Great Falls, most lenders will require 20% down, especially on luxury condos, second homes, or investment properties. At LendFriend, we recommend using a 20% down payment if you want access to the best jumbo loan rates.
Why Choose LendFriend?
At LendFriend Mortgage, jumbo loans aren’t just one of the programs we offer—they’re a core specialty. We match 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 want a fixed 30-year, a 7/1 ARM, or a flexible non-QM option, we make it simple to get approved and close quickly.
Around the Clock
We’re available 7 days a week to help you compare jumbo mortgage rates, review lender options, and move forward with confidence—whether you’re 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 programs—so you get the right fit for your goals.
Get Pre-Approved Quickly
Our jumbo preapproval process strengthens your offer and gives sellers confidence in your ability to close on higher-priced properties. You can apply for a jumbo loan online in minutes, making it faster and easier to get started.
Competitive Rates with No Points
We shop multiple jumbo lenders to find the most competitive rates for your profile—without unnecessary points or hidden charges.
Personalized Mortgage Guidance
You’ll work one-on-one with a 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 Austin, Dallas, and Houston.