When does a loan become jumbo?

When the loan amount exceeds the conforming limit in your county. In most Ohio and Kentucky counties for 2026, that's roughly $806,500, but some high-cost areas are higher. We confirm at the county level.

Are jumbo rates higher than conforming?

Not always. For strong-credit borrowers, jumbo pricing often matches or beats conforming, especially with reserves. We run both scenarios and pick whichever nets out lower.

Can I put less than 20% down on a jumbo?

Yes, with the right lender. We have programs that allow 10% down on jumbo purchases up to roughly $1.5M, subject to credit and reserves.

I'm self-employed. Will that work?

Yes. We work with self-employed borrowers regularly using tax returns, bank statements, or asset-depletion programs. Send us your last two years of returns and we'll run the income calc.

Jumbo Loan

Jumbo Loans

Financing above conforming limits, without the big-bank runaround.

Higher-end home? We shop jumbo rates across a network of wholesale lenders so you're not captive to one bank's overlay.

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About Jumbo Loans

Jumbo loans exceed the conforming limits set by Fannie Mae and Freddie Mac. Because banks hold them on their own books, each lender has different appetite, which is exactly why working with a broker matters.

Key benefits

Real competition

We aren't tied to one bank's rate sheet. For jumbo especially, that can mean 0.25-0.5% in rate differences between lenders on the same file.

Flexible structures

Interest-only, ARM, 30-year fixed, or a piggyback combination to stay conforming on the first lien, we match the structure to your cash flow.

Down payment options

Jumbo down payments can start as low as 10% with strong credit and reserves, instead of the 20-30% most retail banks demand.

Faster than a retail bank

Our wholesale partners specialize in jumbo and close on underwriting standards, not marketing pipelines. Typical close time: 25-30 days.

The process

Income and asset pre-review, we confirm the file is jumbo-ready before writing letters
Shop the file with 5-10 jumbo wholesale lenders
Lock, disclose, and order appraisal
Underwriting and close

Questions we get a lot

Jumbo FAQ

When the loan amount exceeds the conforming limit in your county. In most Ohio and Kentucky counties for 2026, that's roughly $806,500, but some high-cost areas are higher. We confirm at the county level.

Other loan programs

Not sure which one fits?

We'll help you compare. Here's what else is on our rate sheet.

Serving

Fort Thomas, KY Florence, KY Bellevue, KY Covington, KY Newport, KY Alexandria, KY Highland Heights, KY Cold Spring, KY Northern Kentucky Cincinnati, OH Dayton, KY

Ask about Jumbo loans

Lee answers personally. Usually within a business hour.

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