No Limit Jumbo Loans
High-Balance Mortgage Solutions
Unlimited Mortgage Purchasing Power
What is a No Limit Jumbo Loan?
A No Limit Jumbo Loan
Is a
high-balance mortgage designed for borrowers needing loan amounts above conventional conforming limits. Unlike standard jumbo loans,
no limit jumbo loans offer more flexibility, allowing borrowers to finance
luxury homes, high-value properties, and multi-million-dollar real estate investments.
Fannie Mae and Freddie Mac
impose loan limits on
conventional financing, borrowers needing loans above conventional financing limits typically turn to
jumbo loans. Most jumbo loans limit a borrowers purchasing power to $3,000,000. No limit jumbo loans go even further, offering customized financing solutions with no loan amount caps. With %40 down any loan amount can be financed through this type of
no limit jumbo loan program.
No Limit Jumbo vs. Standard Jumbo
| Feature | No Limit Jumbo | Standard Jumbo |
|---|---|---|
| Max Loan Amount |
No Limit |
$3,000,000 |
| Max LTV |
60% |
80% |
| Min Credit Score |
660 |
700+ |
| Income Verification |
Bank Statements, Full Doc |
Full Doc Only |
| Best For |
Ultra-Luxury Homebuyers, Investors, Entrepreneurs |
Luxury Homebuyers, High Net-Worth Individuals |
No Limit Jumbo Loan Details
| Feature | No Limit Jumbo |
|---|---|
| Loan Type |
High-Balance Jumbo Loan |
| Best For |
Luxury Homebuyers, High-Net-Worth Individuals, Investors |
| Max Loan Amount |
No Limit |
| Max LTV |
60% |
| Min FICO Score |
660 |
| Property Types |
Single-Family, Condos, 2-4 Units, Luxury Homes |
| Income Verification |
Full Documentation, Bank Statements (For Self-Employed) |
| Interest Only Option |
Yes |
| Cash Out Option? |
Yes |
| Refinncing? |
Yes |
Benefits of No Limit Jumbo Loans
- Higher Loan Amounts – Borrow above traditional jumbo limits with no hard cap.
- No Limit on Final Loan Amount
- Flexible Income Requirements – Use bank statements or alternative documentation if self-employed.
- Interest-Only Payment Option – Lower your monthly payment with interest-only loans.
- Cash-Out Refinancing – Access home equity for
investments, business expansion, or other needs.
No Limit Jumbos Loans Work For..
- High-net-worth individuals needing multi-million-dollar financing.
- Luxury homebuyers purchasing properties above conforming limits.
- Investors acquiring high-value real estate with flexible qualification.
- Business owners and entrepreneurs with complex income structures.
- Self-employed borrowers who may not qualify under traditional jumbo loan guidelines.
Want to connect with a licensed
Non-QM Lender?
Have Questions? Contact us Today!
Need a Conventional Lender?
Check Out These Other Resources
Frequently Asked No Limit Jumbo Loan Questions-FAQ
What Is The Difference Between A Jumbo Loan And A No Limit Jumbo Loan?
A standard jumbo loan has a maximum loan limit, typically 3 million. A no limit jumbo loan removes the cap, allowing multi-million-dollar financing with flexible underwriting and no set loan limit amount.
What Is The Minimum Credit Score For A No Limit Jumbo Loan?
Most lenders require a minimum FICO score of 660, though higher scores qualify for better interest rates.
Can Self-Employed Borrowers Qualify For A No Limit Jumbo Loan?
Yes! Self-employed borrowers can qualify using bank statements instead of tax returns to verify income.
Do No Limit Jumbo Loans Offer Cash-Out Refinancing?
Yes! Borrowers can cash out equity from their luxury properties for investment, business expansion, or liquidity needs.
Are There Restrictions On Property Types?
No limit jumbo loans allow financing for single-family homes, condos, 2-4 unit properties, and ultra-luxury estates.
Want to connect with a licensed
Non-QM Lender?
Have Questions? Contact us Today!
Need a Conventional Lender?
Check Out These Other Resources
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