Purchase
Jumbo purchase
Financing above conforming loan limits for higher-value primary homes, second homes, and select investments.
- Above conforming limits
- Second-home options
- Relationship pricing possible
Who it is for
Borrowers buying in high-cost markets where the loan size exceeds agency limits.
Jumbo purchase is not one product. Agency high-balance, true jumbo, and Non-QM jumbo each price and underwrite differently. Palazzo Mortgages places the file where the occupancy, reserves, and documentation actually clear.
Questions
- What is the jumbo line?
- It moves with FHFA conforming limits and county caps. We size the file against the current limit for the property’s county.
- Can jumbo be Non-QM?
- Yes. Bank-statement, asset-utilization, and foreign-national jumbos are separate programs when full docs do not fit.
Related programs
- Conventional
Agency-backed financing for borrowers with documented income and a clean credit profile.
- Bank statements
Qualify using personal or business deposits when tax returns understate cash flow.
Ready to structure a file that can actually close?
Tell us the purpose, the property, and how you document income. We will place the request with a program that fits — this is not a loan approval.