Jumbo Loans
Jumbo loans are designed for high-value properties that exceed conforming loan limits set by the Federal Housing Finance Agency. They provide financing for luxury homes and premium real estate with competitive rates for well-qualified borrowers.
Jumbo Loans in Florida — Financing Luxury & High-Value Homes
Jumbo loans provide financing above Florida's conforming loan limit of $766,550 for 2026. If you're purchasing a luxury home, waterfront property, or high-value real estate in Orlando, Winter Park, Dr. Phillips, or Windermere, a jumbo loan is your path to ownership.
Requirements at a Glance
Key Benefits
- ✓Finance homes above $766,550 conforming limit
- ✓Competitive rates for qualified borrowers
- ✓No PMI required in many cases
- ✓Interest-only options available
- ✓Finance primary homes, second homes, and investment properties
- ✓Loan amounts up to $3M+ available
How to Apply — Step by Step
Pre-Qualification Review
We review assets, income, and credit to determine maximum purchase price.
Rate Lock
Jumbo rates can vary by lender — Beacon has relationships with 20+ jumbo investors.
Property Search
No upper limit on purchase price. We finance luxury properties throughout Central Florida.
Full Underwriting
More thorough than conforming — plan for 2 appraisals on purchases over $1.5M.
Close on Your Dream Home
Beacon handles jumbo closings in-house for speed and reliability.
Who Qualifies?
Jumbo loans in Florida are available to borrowers with 700+ credit scores, 10-20% down payment, 6-12 months of reserves, and a debt-to-income ratio under 43%. Self-employed borrowers can qualify with strong tax returns. Asset depletion can supplement income for retired borrowers.
Pro tip: Jumbo rates are sometimes LOWER than conforming rates because jumbo lenders compete aggressively for high-net-worth clients. Don't assume jumbo means expensive. Also — if you're buying in the $800K-$1M range, consider splitting into a conforming first + HELOC second to potentially get better combined terms.
Get Pre-Qualified for a Jumbo Loan
Pre-qualify in minutes. No credit check to start. No obligation.
Florida Market Insight
Florida's luxury real estate market, from waterfront estates to high-rise condominiums, often requires financing above conforming limits. Jumbo loans give buyers the purchasing power to secure premium properties in the state's most desirable neighborhoods.
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Jumbo Loans by Location
Jumbo Loans Payment Calculator
Estimated Monthly Payment
$1,816.07
Loan amount: $280,000 · 30-year term at 6.75%
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Frequently Asked Questions
- What is a Jumbo loan?
- Jumbo loans are designed for high-value properties that exceed conforming loan limits set by the Federal Housing Finance Agency. They provide financing for luxury homes and premium real estate with competitive rates for well-qualified borrowers.
- How do I qualify for a Jumbo loan in Florida?
- Qualification depends on credit score, income, debt-to-income ratio, and the specific Jumbo program requirements. Contact Beacon Mortgage for a free pre-qualification with no impact to your credit score.
- What is the Florida market like for Jumbo Loans?
- Florida's luxury real estate market, from waterfront estates to high-rise condominiums, often requires financing above conforming limits. Jumbo loans give buyers the purchasing power to secure premium properties in the state's most desirable neighborhoods.
- Where does Beacon Mortgage offer Jumbo Loans?
- Beacon Mortgage offers Jumbo Loans in Orlando, Miami, Tampa, Jacksonville, Fort Lauderdale, Winter Garden, and 25+ additional Florida cities. Click any city below to see local market data.