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Super Jumbo Loan Success Stories

Super jumbo loans are rarely one-size-fits-all. These success stories highlight how customized loan structures are built and executed for borrowers with complex financial profiles.

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Total Loan Amount:

$24.9M+

Loan Type:

Super Jumbo

Super Jumbo Loan: $6,146,900

  • Property Details

    Pre-construction condominium in The St. Regis in Longboat Key, Florida

  • Transaction Details

    Our client was under contract to purchase the property for $8.2 million.

  • Challenges

    Pre-construction condos are "non-warrantable" because they don't satisfy Fannie Mae guidelines. Also, our client wanted 75% LTV, which is difficult to find for super jumbo loan amounts above $6M.

  • Solution

    We connected our client with a private bank that specializes in (1) pre-construction condos; and (2) super jumbo loan amounts at high LTVs. Using 2 years of tax returns, he was approved for up to $6.5M up to 80% LTV.

  • Wow Factor

    He ultimately closed his loan at 75% LTV with a loan amount of $6,146,900. At that amount, his remaining down payment and closings costs were covered. So, he didn't have to pay anything at the closing table.

St Regis Longboat Key
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Super Jumbo Loan: $5,800,000

Malibu luxury mortgage
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  • Property Details

    Single-family residence in Malibu, California

  • Transaction Details

    Our client was under contract to purchase the property for $7.25 million.

  • Challenges

    Our client wanted a $6M loan amount at 80% LTV which is hard to find. Also, the subject property was located in an area that recently suffered from wildfires.

  • Solution

    We connected our client with a private bank offering super jumbo loan amounts at high LTVs.

  • Wow Factor

    The bank approved him for $5.8 million at 80% LTV, which is very high leverage for a super jumbo loan amount.

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Super Jumbo Loan: $4,960,000

  • Property Details

    Single-family residence in Laguna Beach, California

  • Transaction Details

    Our client was under contract to purchase the property for $6.2 million.

  • Challenges

    His bank told him the highest loan amount they could offer was $3 million, which was nearly $2 million short of the $4.96 million he was seeking. Also, as a self-employed surgeon, his income profile was complex.

  • Solution

    We connected our client with a private bank known for its risk appetite for super jumbo loan amounts at high LTVs.

  • Wow Factor

    Our client achieved his goal of a down payment no higher than 20%. While his bank would have capped him at a $3 million loan amount, we obtained nearly $2 million more for him.

Super jumbo loans in Laguna Beach
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Super Jumbo Loan: $4,290,000

A self-employed borrower reviewing financial documents, representing the manual underwriting and bank-statement structure used in a $4.29M super jumbo mortgage approval
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  • Property Details

    Single-family residence in West Palm Beach, Florida

  • Transaction Details

    Our client was under contract to purchase the property for $6.6 million.

  • Challenges

    When using his tax returns to show his income, his debt-to-income ratio (DTI) was too high. His DTI was further inflated due to the high carrying costs of 2 properties he already owned.

  • Solution

    Instead of tax returns, we qualified the borrower using 12 months of business bank statements to calculate his average gross deposits. When factoring in his true income as shown through his bank statements, his final DTI was calculated at 14.85%, strongly indicating his ability to repay the loan

  • Wow Factor

    He closed his loan at 65% LTV with a super jumbo loan amount of $4.29 million, all without having to provide a single tax return.

Super Jumbo Loan: $3,737,500

  • Property Details

    Single-family residence in Miami, Florida

  • Transaction Details

    Our client was under contract to purchase the property for $5.75 million.

  • Challenges

    His credit score was 695, which was below the 700 minimum score requirement to qualify for a non-QM bank statement super jumbo loan.

  • Solution

    We analyzed his file and presented the lender with a thorough memorandum that highlighted these strong compensating factors including his exceptional income and clean housing history.

  • Wow Factor

    The lender granted the exception request and waived the 700 credit score requirement. We cleared his loan to close in less than 3 weeks, allowing the parties to close 2 weeks early before the closing deadlilne.

Super jumbo mortgage Miami
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