Jumbo Loan Program

Our Jumbo Loan Program is built for clients buying or refinancing high-value properties above standard conforming limits. With premium jumbo pricing, versatile loan structures, specialized jumbo guidance, and an efficient path to closing, qualified borrowers can secure larger loan amounts for primary, second, and investment homes in top-tier markets.

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Top 10 Benefits

Higher Loan Amounts

No Mortgage Insurance in Most Cases

Competitive Rates

Flexible Options

Primary, Second & Investment Homes

Expert Advice

Flexible Down Payment & LTV

Quick Closings

Financing for Luxury Properties

Asset-Rich Borrowers Welcomed

How it works

We review your full financial profile—income, assets, credit, and property details—to structure the right jumbo loan. You provide standard documentation, we align you with a suitable jumbo option, lock in pricing, and manage conditions through to a smooth, on-time closing.

Required Documents

Personal Identification

  • Valid government-issued photo ID
  • Social Security number or ITIN
  • Completed loan application

Income & Employment

  • Recent pay stubs (typically last 30 days)
  • W-2s for the most recent 2 years
  • Federal tax returns for the last 2 years (personal and business, if applicable)
  • Proof of additional income (bonuses, commissions, rental income, etc., if applicable)

Assets & Property

  • 2–3 months of bank and investment account statements
  • Proof of funds for down payment and closing costs
  • Evidence of required reserves (if applicable)
  • Purchase contract and property details (for purchases)

  • Current mortgage statement and homeowners insurance (for refinances)

Loan Terms

Feature

Details

LTV

Up to 80% (varies by occupancy, credit profile, and documentation)

Loan Amount

From current conforming limit and up (typically $750,000+; higher available)

Property Types

Single-family homes, townhomes, and warrantable condos (primary, second home, or investment)

Term

Fixed-rate and adjustable-rate (ARM) options, with terms up to 30 years

Prepayment Penalty

No prepayment penalty for most primary residences; may apply to certain investment or specialty structures (program-specific)

Closing Time

Approximately 3–6 weeks, depending on documentation and property complexity

BarCorp Financial Group, NMLS #1746897. BarCorp Financial Group is a mortgage broker and does not make commitments or fund loans. Information provided is for general informational purposes only and is not a loan approval, Loan Estimate, or commitment to lend.
All loans are subject to underwriting approval, lender guidelines, and property qualification. Not all applicants will qualify. Product availability, interest rates, and terms are subject to change without notice and may vary by lender and state. Equal Housing Lender.

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