Premium Financing
Jumbo Loans
Premium financing for luxury properties with loan amounts exceeding conforming limits, featuring competitive rates and flexible qualification options.
No SSN or hard credit pull to start. No obligation.
4.9 from 44 reviews
NMLS ID 2653540
What is a Jumbo Loan?
Jumbo loans exceed the conforming loan limits set by the Federal Housing Finance Agency (FHFA). Limits are adjusted annually and vary by market, contact us for current thresholds in your area. These non-conforming loans are designed for purchasing luxury homes, properties in premium markets, or anytime the purchase price exceeds conventional limits.
The HyperSmart Jumbo Advantage
Most lenders treat jumbo borrowers like a risk to manage. We treat you like the qualified buyer you are. Our portfolio products mean institutional pricing on jumbo products, and your $2M transaction moves as fast as a $300K conventional deal. Fast closings are the norm, not the exception.
Jumbo lending to $20 million
We offer jumbo loans to $20M loan amounts, including primary residences, second homes, and investment property.
- Bridge loans to $20M.
- Loans for Foreign Nationals up to $20M.
- One-time close construction loans to $20M, and investor construction loans to $20M.
- 15, 30, and 40 year fixed options.
- 5, 7, and 10 year ARM options.
- Interest only available.
Expertise above $2 million
Very few lenders have ever closed a loan over $2M, much less specialize in them. The appraisal review and transaction analysis for ultra jumbo transactions requires specialized expertise, which we have gained over years of jumbo closings.
AUS Jumbo
We also have an Automated Underwriting System Jumbo (AUS Jumbo) for streamlined loan approvals on high-value homes. This is a jumbo loan underwritten very similar to a Fannie Mae conventional loan.
5% down payment jumbo
We have a 5% down payment jumbo program that allows up to $1,140,000 purchase price. This program has no mortgage insurance. Geographic restrictions may apply. 10% down to $3.33M purchase, 20% down to $6.25M purchase.
Jumbo loans for medical professionals
We also offer jumbo loans for medical professionals with zero down payment. Medical professionals are able to purchase or refinance a home with low or no down payment options with this portfolio loan product. Qualified borrowers can avoid mortgage insurance and use flexible debt to income rules, making the mortgage experience easier for new doctors and residents to qualify.
Key Features
High-Value Financing
We finance luxury properties at a wide range of price points for qualified borrowers. Rates and terms based on creditworthiness, property type, and loan amount.
Low Down Payment Jumbo
Qualified borrowers may be eligible for reduced down payment options on jumbo loans, preserving liquidity. Subject to credit approval and underwriting guidelines.
Interest-Only Options
Maximize cash flow with interest-only payment periods. Ideal for high-income professionals and investors.
Fast-Track Closings
Jumbo files are structured and submitted to jumbo-specific investors. No waiting in the same queue as $200K FHA loans.
White-Glove Service
One point of contact from application to closing. Concierge-level communication for high-value borrowers.
All loans are subject to credit approval. Not all applicants will qualify. Terms, conditions, interest rates, and programs are subject to change without notice. The information provided is for educational and informational purposes only and does not constitute a loan commitment or guarantee of any terms. Consult with a licensed loan officer for specific rate and term information applicable to your situation. NMLS #2653540. Equal Housing Lender.
Not sure which program fits?
Talk to a mortgage advisor about your specific situation. No obligation, no pressure.