Sylvia Carlson
Senior Loan Officer · NMLS #2345678
Finance properties above conventional loan limits with competitive rates, flexible structures, and personalized service from a team that knows your market.
Today's JUMBO Rates — July 14, 2026
Jumbo 30-Yr Fixed
6.250%
APR 6.309%
Jumbo 15-Yr Fixed
5.750%
APR 5.885%
Rates subject to change. See Rate Assumptions
We work across multiple portfolio and correspondent lenders to find the most competitive jumbo rate for your loan size, credit, and property type.
Finance homes above the conventional loan ceiling — from $1.5M starter estates to $5M+ luxury properties. We underwrite each jumbo deal individually to find the best solution.
Jumbo financing covers your primary residence, vacation home, or non-owner-occupied investment property in high-value markets like San Diego, Denver, and Northern Virginia.
Choose a 30-year or 15-year fixed, or a 10/1, 7/1, or 5/1 ARM. ARMs are especially popular for jumbo borrowers who expect to sell or refinance within the initial fixed period.
We leverage deep relationships with wholesale and portfolio lending institutions, we have access to a wide array of competitive jumbo products that traditional, single-source banks often can't match.
Jumbo programs start at 10% down for qualifying borrowers. Standard requirements are 20% for primary residences and 25–30% for second homes and investment properties.
From the California coast to the Texas Hill Country, we originate jumbo loans wherever high-value real estate meets qualified buyers who want expert guidance, not a bank teller.
Jumbo transactions require more documentation but do not have to be complicated — we manage the complexity for you.
We review your income, assets, reserves, and credit to match you with the right jumbo investor and product before you make an offer.
Fixed or ARM? We model the total cost of each option against your projected holding period, income trajectory, and risk tolerance.
Jumbo underwriting requires thorough documentation. We tell you exactly what to gather upfront so there are no surprises mid-process.
Jumbo transactions typically close in 30–45 days. We work with your real estate agent to align on key dates from day one.
Ready to get started? Talk to a licensed loan officer today — no obligation, no pressure.
Call (888) 659-0033Answer a few quick questions and our AI loan advisor will instantly generate a rate estimate tailored to your profile — no credit pull, no commitment, no spam.
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Have a question specific to your loan amount or property? Call us at (888) 659-0033.
Jumbo mortgages — non-conforming loans that exceed Fannie Mae and Freddie Mac purchase limits — are a daily part of the business in the markets Freedomstar Financial serves. From San Diego condominiums to Denver mountain retreats to Northern Virginia estates, we originate jumbo loans ranging from just-above-conforming to multi-million-dollar luxury purchases. Our relationships with portfolio lenders and private mortgage investors allow us to offer jumbo rates that regional banks cannot match.
California is the largest jumbo mortgage market in the country. In Los Angeles, San Francisco, the South Bay, and San Diego, median home prices routinely exceed $1M — making jumbo financing a necessity for most buyers. We originate jumbo loans throughout California with deep knowledge of local market valuations.
The Denver-Boulder metro and Colorado mountain resort communities (Aspen, Vail, Steamboat Springs) have produced tremendous appreciation, pushing many properties into jumbo territory. We serve Colorado's luxury buyers with competitive portfolio jumbo programs and swift pre-approval timelines.
Northern Virginia's McLean, Great Falls, Arlington, and Alexandria markets frequently require jumbo financing. High-income federal contractors, military officers, and tech professionals rely on jumbo programs in the DC metro corridor. We have extensive experience with Northern Virginia jumbo transactions.
Atlanta's Buckhead neighborhood, Alpharetta, Johns Creek, and Lake Lanier waterfront communities are Georgia's primary jumbo markets. Rapidly rising prices in these sought-after suburbs have pushed a growing number of buyers into non-conforming territory.
Florida's waterfront and luxury markets — Miami Beach, Palm Beach, Naples, Marco Island, Sarasota, and Jupiter — are active jumbo markets with strong demand from domestic and international buyers. We originate jumbo loans in all Florida counties and are familiar with condo financing complexities in South Florida.
Austin's explosive appreciation over the past decade has moved many properties into jumbo territory for the first time. Dallas's Preston Hollow and Highland Park, and Houston's River Oaks have long been premium jumbo markets. We serve Texas luxury buyers with fast, expert jumbo originations.
All rates are subject to change without notice. Rates shown are for illustrative purposes only and are based on a 740+ FICO score, primary residence, single-family home, and a 30-day rate lock. Jumbo loans are subject to full underwriting review including income, asset, and reserve requirements that exceed conforming guidelines. Loan terms and availability vary by investor and property type. NMLS #1439059.
