Jumbo financing covers homes priced above conventional conforming loan limits — common in Orlando's higher-priced neighborhoods and lakefront communities — with competitive rates and flexible terms.
A jumbo loan finances a purchase price above the conforming loan limit set annually for the county. Because these loans aren't eligible for purchase by Fannie Mae or Freddie Mac, lenders set their own guidelines, which often include stronger credit and reserve requirements, but rates remain competitive with conventional financing for well-qualified borrowers.
Jumbo financing comes up often in Orlando's premium neighborhoods and lakefront communities — Windermere, Isleworth, Dr. Phillips, Lake Nona, and Winter Park among them — as well as for larger new-construction homes and luxury condos downtown. We work with jumbo programs for primary residences, second homes, and investment properties.
Areas commonly served: Windermere, Isleworth, Dr. Phillips, Lake Nona, Winter Park, Baldwin Park. Down payment, rate, and documentation requirements vary by program and borrower — talk to a loan officer for current terms on your scenario.
Any loan amount above the conforming loan limit set for the county that year is considered jumbo. The exact threshold changes annually, so we confirm the current limit against your purchase price.
Often, yes — jumbo guidelines vary by lender, but typically call for a larger down payment and stronger reserves than a conforming conventional loan.
Yes, jumbo financing is available for primary residences, second homes, and investment properties, though terms and down payment requirements vary by occupancy type.
No obligation, no hard credit pull required for an initial conversation.
Talk to a Loan OfficerIcon Mortgage Group, powered by Mpire Financial Group LLC · NMLS# 2108504. Equal Housing Lender. This is not a commitment to lend. All loans subject to credit approval. Programs and terms vary by state and property.