Mortgage Broker in Northern Virginia for Jumbo & Non-QM Loans
As a mortgage broker serving Arlington, McLean, Great Falls, and Richmond, we deliver competitive jumbo mortgage rates and flexible loan programs for high-cost homes. Whether you’re purchasing a luxury estate, a family home near top-rated schools, or an investment property, we structure jumbo loans around your financial goals.
Why Homebuyers Trust LendFriend With Their Jumbo Loans in Northern Virginia
At LendFriend Mortgage, we specialize in jumbo mortgages designed for today’s luxury home buyers—from a classic 30-year fixed jumbo loan to strategic ARMs and Non-QM options for complex income.
Here’s why jumbo borrowers in Arlington, McLean, Great Falls, and Richmond choose us:
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We know jumbo. From estates in Great Falls to modern homes in Arlington and McLean, we’ve financed some of Northern Virginia’s most exclusive properties. We know which lenders move fast and price aggressively in high-cost markets.
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More than 30-year fixed. While many borrowers prefer a traditional fixed-rate jumbo mortgage, ARMs like the 7/1 or 10/1 often provide lower initial rates—perfect for buyers planning to refinance or relocate.
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Flexible qualification programs. We offer jumbo bank-statement loans , asset-depletion programs and RSU-based mortgages—ideal for self-employed professionals, consultants, and high-net-worth individuals across Northern Virginia
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Crypto-backed jumbo mortgages. For investors holding Bitcoin or Ethereum, our crypto-backed mortgage program allows you to qualify without liquidating digital assets or triggering capital gains taxes.
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Fast, strategic approvals. Our process is built for higher-end homes in competitive markets, with strong preapprovals and closings in 30 days or less—common in Arlington, McLean, and Great Falls.
What Our Jumbo and Self Employed 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
Loan Programs To Suit Every Borrower's Needs!
With access to hundreds of mortgage investors, we offer flexible home loan options for nearly every situation. Whether you're applying with 1099 income, running your own business, looking to leverage your assets, we’ve got you covered. We're here to say yes where traditional lenders have said no. Let us help you make homeownership happen.
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Asset Depletion Mortgage for HNW Individuals
Leverage your assets to qualify for your dream home with an asset depletion mortgage. Use your bank accounts, investment portfolios, and retirement funds as income. Our asset-based lending solutions are ideal for high net worth individuals with non-traditional income.
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Self Employed Mortgages For Entrepreneurs and 1099 earners
Getting a mortgage for self employed income shouldn't be so hard. We make it easy with self employed mortgage options that don’t require tax returns or W2s—no red tape, just real solutions.
Crypto-Backed Mortgages for Bitcoin and Ethereum Investors
Buy a house with bitcoin without selling a token using crypto-backed mortgages! No income needed. Qualify to buy your dream home using just your Bitcoin and Ethereum holdings
RSU Mortgages For Tech Employees
Leverage your Restricted Stock Units to qualify for a mortgage without waiting or cashing out shares. Our RSU mortgage program recognizes vested stock grants as income, giving tech employees and equity-compensated professionals a faster path to homeownership.
Buy Before You Sell
Move into your new home before selling your current one with our Buy Before You Sell program. Unlock your equity upfront, avoid contingent offers, and buy with confidence—without the stress of timing two closings.
One Time Close Construction Loans
Build your dream home and skip the stress of multiple closings. Our one-time close construction loan covers construction and permanent financing—saving time, money, and hassle from start to finish.
Straightforward Qualification That Works for Virginia Buyers
Securing a jumbo loan in Northern Virginia doesn’t need to be complicated. At LendFriend, we make the process transparent and efficient.
Transparent income, credit & DTI guidelines
We explain jumbo loan requirements clearly—credit scores, documentation, reserves, and loan-to-value ratios—so you know what to expect.
Solutions for entrepreneurs, executives, and investors
We specialize in jumbo mortgages for business owners, professionals, and high-asset borrowers with complex financials—structuring loans to fit your profile, not force you into a box.
Get Started on Your Jumbo Loan in Northern Virginia
Whether you’re purchasing a McLean luxury home, an Arlington townhouse, a Great Falls estate, or a Richmond property, we’ll build a jumbo financing strategy that fits your needs. From 10% down jumbo loans to Non-QM jumbo programs, we position you for success.
Apply for a jumbo loan online today or connect with a local expert. We’ll compare current jumbo mortgage rates in Virginia, explain the difference between jumbo and conforming loans, and lay out a clear path to closing.
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.