Above the county ceiling, the rules stop being standard.
Jumbo mortgages across Maryland, Virginia, Washington DC, North Carolina and Florida, from our office in Fulton, Maryland.
Jumbo guidelines are written by individual lenders rather than by an agency. They vary enormously, which is why shopping matters more here than anywhere else.
Applications go out without your personal information attached. You decide who sees it in full.
100+ Lenders
Approval Within 24 Hours
30+ Years of Mortgage Experience
No Credit Pull • No Obligation
Jumbo is usually right if this is you
| YOUR SITUATION | WHY THIS LOAN FITS | |
|---|---|---|
| The price is above your county ceiling | In Bethesda, Loudoun, Arlington and much of DC that threshold arrives sooner than buyers expect | Where we Lend |
| Your wealth is in assets, not salary | Several jumbo lenders qualify on assets in a way agency lending will not | Asset depletion |
| You are self-employed at a high income | Jumbo underwriting is often more flexible about complex income than agency guidelines | Self-employed |
| You served and are buying above the limit | VA financing still works above conforming ceilings | VA jumbo |
| A bank quoted you one jumbo rate | That is one lender’s appetite on one day. Jumbo pricing is the least standardised in the market | All purchase loans |
One application. Better options. Simple process.
One simple application gives us what we need to explore the right mortgage options for your unique situation.
1
Submit the documents
Upload the required documents so we can review your application and move your loan forward.
2
We Shop 100+ Lenders
We compare lenders and find the loan options that fit your situation.
3
You Choose. We Close
Pick the option that works for you. We handle the process from underwriting to closing.
What a jumbo file needs
Strong credit
Jumbo lenders carry the loan themselves, so they look harder at your history than an agency program does.
Reserves after closing
Most jumbo lenders want to see money left in the bank once the purchase completes.
Income or assets they can evidence
Salary, business income, investments or a combination. Different lenders weight these very differently.
A deposit
Larger than an agency loan usually asks for, though how much varies more by lender than by rule.
A property that appraises
Higher-value homes have thinner comparable data, so the valuation carries more weight.
A lender that wants this file
The single biggest variable. Appetite for jumbo shifts constantly across the market.
No rates or figures here on purpose. Yours depend on your credit, the county and the program. A licensed loan officer gives you real numbers on the call.
What to watch for, and we will not bury it
There is no standard jumbo
Two lenders can look at the same file and reach completely different answers. One quote tells you almost nothing.
The ceiling is set county by county
Fairfax, Montgomery County and DC each have their own. What is jumbo in one place is conforming in another.
Reserves catch people out
Buyers focus on the deposit and forget the lender also wants to see what is left afterwards.
Nadeem Bhatti
Where we place jumbo loans
Maryland
Virginia
Washington DC
North Carolina
Florida
Texas
We are a mortgage company serving these areas. We do not keep a branch in each one. Every mortgage loan is worked from 8115 Maple Lawn Blvd, Suite 350, Fulton, Maryland.
What buyers ask about jumbo loans
What buyers ask about jumbo loans
It is larger than the conforming ceiling set for your county. Above that line, agency rules no longer apply and each lender writes its own.
Is a jumbo harder to get?
Not harder, but less standardised. The right lender makes far more difference on a jumbo than on any agency loan.
Can I qualify on assets rather than income?
Often yes. Several jumbo lenders will convert investments and savings into a qualifying income.
Do I need reserves?
Usually. Most jumbo lenders want to see funds remaining after closing, and how much varies considerably between them.
Can I use my VA benefit above the limit?
Yes. VA financing works above conforming ceilings, and it keeps the advantages that come with the benefit.
Get your jumbo priced properly
Tell us about the property and how you are paid. We will shop it across the lenders active on jumbo right now, free.