High-Balance Financing. Handled Right.
Purchase or refinance above conforming loan limits with flexible qualification options — including bank statement and asset-based jumbo programs for self-employed borrowers. Serving homebuyers, homeowners, and investors throughout Orlando and the greater Florida market.
Built for Orlando Borrowers Like You
Real scenarios our jumbo loans program is designed to solve for buyers, homeowners, and investors in Orlando, FL.
Luxury Home Buyers
Purchase above conforming loan limits with competitive fixed and ARM jumbo pricing.
Self-Employed Professionals
Bank statement and asset-based jumbo options qualify borrowers who don't fit a tax-return box.
Move-Up Buyers
Minimum down payment as low as 10% on select jumbo programs — you don't always need 20% down.
Second Home Buyers
Finance a vacation or second home above conforming limits with dedicated jumbo underwriting.
Investors
Jumbo financing available on investment properties, including bank statement and DSCR-based options.
Cash-Out Borrowers
Tap significant equity with jumbo cash-out refinance options up to high loan amounts.
Jumbo Loans — Full Program Details
Guideline highlights for our jumbo loans program available to Orlando, FL borrowers. Final terms are confirmed at pre-qualification based on your specific scenario.
Jumbo Loan Parameters
- Loan amounts above the conforming limit (most FL/GA counties: $832,750 in 2026) up to $5M+
- Min FICO 620+, with best pricing at 740+
- Minimum down payment as low as 10% on select programs
- Fixed-rate and ARM options available
- Primary residence, second home, and investment property eligible
- Bank statement and asset-based jumbo options for self-employed borrowers
- Cash-out and rate-and-term jumbo refinance available
- Reserve requirements vary by loan size, LTV, and program
- Priced across 100+ wholesale lenders for competitive jumbo terms
Why Orlando Borrowers Choose MortgageHouz
- Access to 100+ wholesale lenders instead of one bank's rate sheet
- Licensed Florida mortgage broker · NMLS #2755375
- Pre-qualification within 48 hours, with no impact to your credit to get started
- A dedicated loan specialist manages your file from application to close
- Programs available for Florida primary residences, second homes, and investment properties
Jumbo Financing in Orlando, FL
MortgageHouz works with buyers, homeowners, and investors throughout Orlando and the surrounding Florida market to structure the right jumbo loans solution for their scenario. As a licensed mortgage broker, we shop your file across our full lender network rather than offering a single bank's rate and guidelines — which means more program options and a better shot at approval for Orlando borrowers who don't fit a conventional box.
Whether you're purchasing your next home, refinancing, or growing an investment portfolio in Orlando, our team will review your full scenario and come back with a real pre-qualification and program recommendation within 48 hours.
Jumbo Questions, Answered
What counts as a jumbo loan?
A jumbo loan is any mortgage above the conforming loan limit set by the FHFA, which is $832,750 in most Florida and Georgia counties for 2026 (higher in some high-cost areas). Jumbo loans use different underwriting than conforming loans.
Do I need 20% down for a jumbo loan?
Not necessarily. While many jumbo programs prefer 20% down, select programs allow a minimum down payment of 10% depending on credit score, reserves, and loan amount.
Can self-employed borrowers qualify for a jumbo loan?
Yes. Bank statement and asset-based jumbo programs allow self-employed borrowers to qualify using deposits or liquid assets instead of tax returns.
Can I do a cash-out refinance with a jumbo loan?
Yes, jumbo cash-out refinance programs are available for borrowers looking to tap significant home equity above conforming loan limits.
Ready to Get Started in Orlando?
No credit pull to get started. Tell us about your scenario and a licensed MortgageHouz loan specialist will respond within 48 hours.
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