Super Jumbo Loan

Overview

Super jumbo is an industry term — not an official category — for loan amounts well above standard jumbo thresholds, often $3M, $5M, $10M and up. These loans are held on private balance sheets, including portfolio lenders, private banks, and specialty wholesale lenders.

Super jumbo financing is a relationship-driven business. Pricing, structure, and underwriting flexibility vary widely by lender, and the right partner depends on the property, the borrower's overall financial picture, and the deal structure (purchase, cash-out, asset-based, etc.).

Who it's for

Luxury home buyers in high-cost coastal markets
High-net-worth borrowers with complex income or asset structures
Borrowers using asset-depletion or pledged-asset strategies
Foreign nationals financing US luxury real estate

What's typically reviewed

Excellent credit
Substantial reserves and liquidity
Detailed asset and income documentation
Property may require two appraisals and additional review
Often a more in-depth interview-style underwriting

This is a general description, not a guarantee of approval. Specific requirements vary by lender and program. Final qualification is determined during underwriting.

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