Jumbo financing for Florida's luxury markets.
From Naples to Miami to the Panhandle — competitive jumbo pricing on primary, second-home, and investment properties.
Florida jumbo program highlights
- Loan amounts to $3M standard — up to $10M+ on select shelves
- As little as 10% down to $2M (with strong credit and reserves)
- Interest-only options available on most jumbo programs
- Second home and investment property financing
- Asset-depletion and bank-statement qualifying for self-employed
- Competitive jumbo pricing shopped across 30+ wholesale investors
Key Florida jumbo markets
Florida luxury real estate concentrates in a handful of markets — most of which exceed conforming loan limits on the typical purchase.
Naples (Collier)
One of the most active luxury markets in the country. Most beachfront, Port Royal, Pelican Bay, and Old Naples purchases require jumbo financing.
Miami (Miami-Dade)
Miami Beach, Brickell, Coral Gables, Coconut Grove — luxury condos and waterfront homes routinely exceed conforming limits.
Destin (Okaloosa)
Beachfront condos along 30A and Destin proper — jumbo and condo-jumbo programs are common.
Palm Beach
Town of Palm Beach, North End, and intracoastal estates — almost exclusively jumbo and super-jumbo territory.
Fort Lauderdale (Broward)
Las Olas Isles, Harbor Beach, Coral Ridge — waterfront and yacht-access homes typically need jumbo financing.
Florida jumbo loan FAQs
What is the jumbo loan limit in Florida?+
Any loan above the 2026 conforming limit is jumbo. In most Florida counties that's anything above $806,500. In Monroe County (the Keys) jumbo starts above $1,149,825, and in Collier County above $730,525 (high-balance applies). Most of our jumbo investors go to $3M on standard programs and up to $10M+ on select shelves.
What credit score do I need for a Florida jumbo loan?+
Most jumbo programs want 700+. Best pricing typically requires 740–760+. We do have shelves that go as low as 660 with larger down payment and reserves — useful for borrowers rebuilding credit or self-employed with strong assets.
Can I use jumbo financing for a Florida vacation home?+
Absolutely — jumbo financing on Florida second homes is one of our highest-volume programs. Standard second-home jumbo terms are 10–25% down depending on loan size and credit. We also do snowbird scenarios where the Florida home is the buyer's eventual primary residence.
How much down do I need for a Florida jumbo?+
As little as 10% down to $2M for strong borrowers (740+ FICO, 12 months reserves). Most clients put 20–25% down for the best pricing. Over $3M, expect 25–35% depending on the program.
Can self-employed borrowers qualify for jumbo in Florida?+
Yes — and Florida has a large self-employed buyer pool. We do jumbo with full doc, 24-month bank statement, P&L-only, asset depletion, and DSCR (for investment property). We'll match your tax picture to the right shelf.
Are there jumbo programs for Florida condos?+
Yes — condo-jumbo is a Florida specialty. We work with investors who actively finance luxury condos in Miami Beach, Brickell, Naples, Destin, Sarasota, and along 30A — including condotels and projects with high investor concentration.
Get your Florida jumbo quote
We'll price your scenario across 30+ jumbo investors and send a written offer within one business day.