When your loan amount exceeds conforming limits, you're in jumbo territory, and access to the right lenders starts to matter. We offer jumbo programs with down payments as low as 10% on select programs at lower jumbo loan amounts, interest-only options, self-employed qualification paths, and super jumbo financing up to $20M on qualifying programs.
*Available on qualifying programs; eligibility and terms vary. 10% down options apply to select programs at lower jumbo loan amounts, down payment requirements increase with loan size, and super jumbo and construction programs require substantially more equity.
Reviewed by Taylor Cabaniss, Founder & Mortgage Broker, NMLS #910852Updated
A loan is jumbo when the loan amount exceeds the conforming limit set each year by the Federal Housing Finance Agency. Jumbo lenders set their own guidelines for down payment, reserves, credit, and documentation, so comparing programs across lenders matters more here than anywhere else.
Our flagship, the strongest jumbo pricing for well-qualified borrowers with documented income.
Use the equity in your current home to buy the next one before it sells.
Keep your portfolio invested and put less cash down.
One-time-close construction-to-permanent financing for custom builds and major renovations from $1 million to $20 million. See Construction, Renovation & Land
About adjustable rates: our super jumbo and jumbo construction programs use adjustable-rate structures. After the initial fixed-rate period, your rate adjusts periodically based on a market index and can increase, which can increase your monthly payment. On some programs, the rate cannot adjust below your starting rate even if market rates fall. We'll walk through the adjustment schedule and rate caps with you before you commit.
A relocating executive could put 20% down, but only by selling appreciated stock. A jumbo program with 10% down lets her buy and keep the portfolio intact. Reserve requirements are higher, which she comfortably meets.
When the loan amount exceeds the conforming limit set each year by the Federal Housing Finance Agency. The limit changes annually and can vary by county. Tell us your price range and we'll tell you where you land.
We have programs with down payments as low as 10% for qualified borrowers on select programs at lower jumbo loan amounts. Requirements increase with loan size, and super jumbo and construction programs require substantially more equity. Lower down payments generally come with higher credit and reserve requirements.
Yes. Bank statement, 1099, P&L, and asset depletion programs exist for borrowers whose tax returns understate what they earn.
Prime Jumbo reaches $3.5M and super jumbo financing reaches $20M on qualifying programs. As loan amounts increase, down payment and reserve requirements increase too.
Yes. On qualifying super jumbo programs, you can pledge your current home as additional collateral, which can allow financing up to 100% of the purchase price when combined loan-to-value limits across both properties are met. Both homes secure the loan until the release conditions are met. A bridge loan is another option, and we'll compare the two.
Let's TalkTell us what you're buying and how you earn, and we'll come back with real options.
Loan programs, terms, eligibility, loan amounts, down-payment requirements, credit requirements, and closing timelines are subject to lender guidelines and may change. Not all borrowers or properties will qualify. Adjustable-rate mortgages carry interest rates that may increase after the initial fixed-rate period.
Lowcountry Home Loans | NMLS #1717832 | 802 Coleman Blvd, Suite 209, Mt. Pleasant, SC 29464 | 843.800.0178