VA Jumbo Loans: Buy More Home with $0 Down
VA jumbo loans combine the best VA home loan benefits—zero down payment, no private mortgage insurance, and lower rates—for Veterans, active-duty military, and surviving spouses buying million dollar homes
Why Texas Homebuyers Trust LendFriend With Their Jumbo Loans
At LendFriend Mortgage, we specialize in helping Veterans, active-duty service members, and surviving spouses use their VA home loan benefits to buy high-value homes. With a VA jumbo loan, you can purchase well above the 2025 conforming loan limits—often with zero down payment and no private mortgage insurance (PMI).
Here’s why Veterans nationwide choose us:
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Fast, strategic approvals. Applying for a VA mortgage doesn’t have to be complicated. Our preapproval process is tailored to Veterans and designed to be a quick, reliable process so you can apply and get preapproved to start shopping for your dream home in the same day.
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We know VA jumbo. From million-dollar homes in Florida and Virginia to California and Texas, we’ve helped Veterans secure VA jumbo loans nationwide—with the ability to closing in under 30 days with competitive VA jumbo loan rates.
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No down payment. No PMI. Unlike conventional jumbo mortgages that require 10–20% down and expensive mortgage insurance, VA jumbo loans let you finance more with no down payment up to $1.5M and never pay PMI.
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More than just 30-year fixed. Many Veterans prefer the security of a fixed-rate mortgage, but we also offer ARM options on VA jumbo loans that can lower your rate if you only plan to stay in the home for a few years.
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Flexible qualification programs. VA jumbo loan requirements are unique. We walk you through VA entitlement, second-tier entitlement, and county loan limits so you can maximize your benefit—even if you already have another VA loan.
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Custom structure for better pricing. We analyze your entitlement, residual income, and credit profile to secure the most competitive VA jumbo loan rates available—often better than conventional jumbo loans.
What Our Jumbo Loan Clients Say
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 -
Eric and LendFriend saved the day! We had a lender who struggled so terribly that the sellers were willing to put their property back on the market. Our realtor pulled the deal from the ashes and we chose LendFriend to make it right quickly. We closed a million plus VA loan in 3 weeks and now have our forever home. Thank you LendFriend, Eric, and Morgan!
Brian Sanford
Closed July 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 -
These guys are the best in the business. At the recommendation from a friend, we used LendFriend to help us purchase our home in Connecticut, and I could not be more satisfied with the level of service they provided. This was not our first home purchase, and the difference between obtaining the mortgage this time around and the last is no comparison. They helped come up with solutions to make purchasing our new home as easy as possible prior to completing the sale of our current, were available to answer all of our questions 24/7, and most importantly were able to close with an extremely quick timeline.
Russell B
Closed March 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
VA Jumbo Loan Solutions For Every Veteran!
Not every borrower’s situation is the same. If you can’t fully use your VA entitlement because of nontraditional income, we still have solutions. At LendFriend, we pair VA jumbo expertise with alternative qualification programs—like bank statement loans, asset depletion, and non-QM jumbo options—so you can secure the home you want without being held back by paperwork or tax return limitations.
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Asset Depletion for HNW Individuals
Leverage your assets to qualify for your dream home with an asset depletion jumbo mortgage. Use your bank accounts, investment portfolios, and retirement funds as income. Perfect for luxury homes and higher loan amounts without relying on traditional income.
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Self Employed Mortgages For Entrepreneurs and 1099 earners
Get approved for a jumbo loan using just your bank statements—no W-2s or tax returns required. 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 home with Bitcoin or Ethereum without selling your holdings or triggering capital gains taxes. Our crypto-backed jumbo loan programs let you qualify with no traditional income documentation.
Build Bigger with a VA Jumbo One-Time Close Loan
Want to build your dream home? Qualifying for a VA jumbo construction loan shouldn’t be complicated. Our one-time close program makes it simple to build your dream home—with loan amounts up to $4 million and the convenience of rolling construction and permanent financing into one loan.
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No payments during the build period. Focus on your home, not monthly payments, while construction is underway.
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Transparent VA guidelines. We’ll walk you through VA jumbo loan requirements, entitlement, and builder approvals so there are no surprises.
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Flexible solutions for every Veteran. Whether you’re using full entitlement or navigating second-tier entitlement, we make sure your VA benefits work for you—even on multi-million-dollar projects.
Build with confidence knowing your VA jumbo mortgage loan is tailored to your entitlement, budget, and vision.
Ready When You Are – Let's Get Started
Apply online in minutes or speak to a local expert today
FAQs – What You Need to Know About VA Jumbo Loans
What loan amount qualifies as a VA jumbo loan?
Any VA loan that goes above the conforming loan limits set by the FHFA counts as a VA jumbo loan. In 2025, the baseline limit is $766,550, but in high-cost counties (like parts of California, Hawaii, and Virginia) it can be over $1,149,825. With full VA entitlement, there’s technically no maximum VA loan amount—your income, credit, and lender guidelines set the cap.
How much can I borrow with a VA jumbo loan?
There’s no maximum VA loan amount when you have full entitlement. Thanks to the Blue Water Navy Vietnam Veterans Act, VA borrowers are no longer capped by county loan limits—the size of your VA jumbo loan is determined by your entitlement, income, and lender guidelines. That means you could finance a home well above $1 million with zero down payment.
For construction financing, VA’s One-Time Close Construction Loan program allows loan amounts up to $4 million.
Do VA jumbo loans require perfect credit?
No. While 750+ credit score will unlock the best VA jumbo loan rates, many Veterans qualify with average credit thanks to VA’s flexible guidelines. We also review compensating factors like residual income, entitlement, and low debt-to-income ratios.
Can I get a VA jumbo loan if I’m self-employed or have complex income?
Yes. VA loans work for traditional W-2 borrowers, but we also help self-employed Veterans and those with nontraditional income. If you can’t fully document income for VA purposes, we can combine entitlement with alternative solutions like bank statement or non-QM jumbo programs.
What property types are eligible for VA jumbo financing?
VA jumbo loans must be for a primary residence—single-family homes, certain condos, and VA-approved new construction. Unlike conventional jumbo, VA jumbo loans are not available for second homes or investment properties.
How do VA jumbo loan rates compare to conventional jumbo rates?
VA jumbo loans often beat conventional jumbo pricing. Since VA loans never require private mortgage insurance (PMI), and lenders view them as lower-risk, rates are usually more competitive. That means Veterans can finance a higher-priced home with lower monthly costs.
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.