A Florida Jumbo loan is a mortgage loan amount above conventional conforming loan limits. In most of Florida, this limit is $832,750 – some locations in South FL (Monroe County, Key West) are even higher. This standard is set by the two governmental-backed enterprises Fannie Mae and Freddie Mac and sets the limit on the maximum value of an individual mortgage they will purchase from a lender.
When Freddie Mac and Fannie Mae max loan limits don’t cover the full amount, it is commonly known as a “jumbo loan”. The current jumbo mortgage starts at loan amounts greater than $832,750.
The average interest rates on jumbo mortgages are typically higher than for conforming mortgages. Why is this? Florida Jumbo loans are typically considered higher-risk mortgages, which account for the higher interest rates. This is because if a jumbo mortgage loan defaults, it may be harder to sell a luxury residence versus a standard priced house.
Luxury properties are more vulnerable to market highs and lows. This is one of the main reasons most banks and lenders prefer to have a higher down payment from jumbo loan seekers.
At Five Stars, we offer some of the highest loan-to-value (LTV) Jumbo loans available in Florida. So If you are a home buyer looking for the lowest down payment Jumbo loan, at the lowest interest rate, be sure to contact us. We are available to assist you 7 days a week. For quick service, please submit the “Request Contact” form at the top of your screen. Please also be sure to visit the loan programs page for the latest jumbo mortgage info.
Below we have listed the most recent 2026 Jumbo loan LTV / Credit requirements. Full Documentation, Primary & Vacation homes only: Please see the video below for additional information.
- 95% LTV – up to $2,000,000 with 700 credit score. 1st and 2nd combo loan. Or choose from a single loan option. Both options have no PMI.
- 90% LTV – up to $3,000,000 with 720+ credit score.
- 85% LTV – up to $3,500,000 with 720+ credit score.
Contact us to learn about Adjustable Rate Mortgage terms (ARM) or vacation/ second home Jumbo requirements. Also, be sure to learn more about the Jumbo rate-term and cash-out refinance options.
Serving Florida, including Collier, Monroe, Palm Beach, Dade, Broward County: West Palm Beach, Miami, Key West, Coral Gables, Boca Raton, Boynton Beach, Delray Beach, Naples, Marco, Tampa, Orlando, Jacksonville