Jumbo Mortgages

In competitive real estate markets like California, home prices can quickly exceed the limits of traditional mortgage loans. Super jumbo loans are designed to fill that gap, offering financing solutions for higher-priced homes. As jumbo mortgage specialists, Carlyle Financial is ready to offer personalized guidance and a wide range of options for buyers seeking high-balance loans. These loans can be more complex due to the larger balances and unique financial profiles of borrowers, but our team is equipped with the knowledge and experience to make the process as smooth as possible. Ready to discuss your loan options? Fill out the contact form on this page or give us a call, and we’ll help you find a financing option that’s right for you.

We offer access to a variety of lending channels, including regional banks, credit unions, wholesale lenders, and direct lending capabilities through Carlyle Financial. This approach allows us to provide competitive options for our clients, even in today’s market. We specialize in working with individuals with unique financial profiles, including those who receive Restricted Stock Units (RSUs) as part of their income. Our tailored cash flow analyses, flexible lending structures, and long-standing relationships in California’s tech communities make Carlyle Financial a trusted partner for securing home loans.

Interest-only jumbo loans are ideal for clients looking to keep their monthly payments low for the initial years of the loan. With an interest-only loan, you pay only the interest for a set period—usually 5, 7, or 10 years—resulting in a lower monthly payment during that time. After the interest-only period ends, the loan converts to a traditional amortization schedule, allowing you to pay down the principal over the remaining term. Here’s how interest-only jumbo loans can benefit you:

• Maximized Cash Flow: Keeping monthly payments low can free up cash for other investments, helping you build wealth in multiple areas.
• Short-Term Ownership: If you only plan to stay in the home temporarily, lower initial payments can make the loan more manageable.
• Irregular Income: Those with variable income sources, such as bonuses or commissions, may prefer an option to make larger, irregular payments toward principal.
• Significant Equity: Interest-only loans are an attractive choice for buyers with substantial property equity who want flexibility in their payment structure.

With strong relationships across the lending industry, Carlyle Financial can secure some of the best interest-only products on the market. Our team is dedicated to helping you select the right option and making the financing process as straightforward as possible. If you’re interested in learning more about interest-only jumbo loans, contact us today through the form on this page or by phone.

What is a Jumbo Loan?

Simply put, a jumbo loan is a mortgage that exceeds the maximum limits set by government-sponsored entities like Fannie Mae and Freddie Mac, which help standardize mortgage lending in the U.S. As of 2024, the conforming loan limit is $726,200 in most parts of the country and up to $1,089,300 in high-cost counties. If your loan amount is above these limits, it’s considered a jumbo loan. In states like California, where home values are especially high, jumbo and super jumbo loans—often exceeding $1 million—are increasingly common.

Jumbo loans differ from conventional loans in that they usually have stricter qualifying criteria. Since these loans carry higher balances, lenders often require higher credit scores, larger cash reserves, and more documentation to ensure borrowers can manage the larger payments. That’s where Carlyle Financial’s expertise comes in: we have experience structuring and closing jumbo and super jumbo mortgages, helping you secure your loan without unnecessary delays or stress.

How Carlyle Financial Helps with Jumbo and Super Jumbo Loans

Every client is unique, and at Carlyle Financial, we specialize in accommodating various financial situations to secure jumbo and super jumbo financing. Here are just a few ways we can assist you:

• Income from RSUs: Restricted Stock Units (RSUs) can be a key part of qualifying income, especially for clients in the tech sector. We understand the nuances of using RSU income in mortgage qualification.
• High Loan Amounts: For those purchasing or refinancing high-value properties, we offer jumbo loans up to $15,000,000.
• Complex Income Profiles: Self-employed clients, business owners, and high-net-worth individuals often have non-traditional income structures. We offer loan options that accommodate complex income profiles, ensuring you get the financing you need.
• Flexible Loan Programs: Options such as 40-year terms, 5/5 ARMs, and asset-based lending are available to meet a wide range of financial objectives.
• Specialized Property Types: From non-warrantable condos to multifamily properties and investment homes, we have financing solutions for a variety of property types.
• Alternative Documentation: Programs like bank statement loans and one-year tax return options simplify the documentation process, making it easier for clients with fluctuating income sources to qualify.
• Entity Vesting Options: Whether you’re purchasing under an irrevocable trust, an LLC, or another legal entity, we can tailor a financing solution that fits your needs.

This list represents just some of the specialized options Carlyle Financial offers for jumbo and super jumbo loans. If you have a unique financial situation or a specific scenario not listed here, reach out through our contact form, and a mortgage banker will connect with you at a time that works best.

Do You Need a Jumbo Mortgage?

Curious if a jumbo loan is the right choice? If any of the following situations resonate, a jumbo mortgage might be the ideal solution for you:

• Customized Financial Guidance: You’re looking for a mortgage advisor who will work with you as a partner, understanding your goals and crafting a financing solution that aligns with your long-term objectives.
• Non-Traditional Income: If you rely on income from stock units, bonuses, or investments, you need a lender who understands these sources and can incorporate them into your loan application.
• Investment-Focused: Those actively growing their real estate portfolios often benefit from the higher limits of jumbo loans, allowing them to maximize purchasing power.
• Unique Income Structures: Self-employed clients and business owners with unique income sources can take advantage of Carlyle Financial’s experience in crafting tailored loan solutions.
• Real Estate as a Primary Investment: If real estate is your main focus, jumbo loans can offer more flexibility in structuring your financing to achieve growth in your portfolio.

If any of these scenarios apply, Carlyle Financial can guide you through the process of securing a jumbo mortgage, offering options and solutions that are specific to your needs.

What Do You Do Next?

When it comes to jumbo loans, the next step is to connect with an experienced mortgage advisor who understands the nuances of high-value financing. Jumbo and super jumbo loans involve a few more moving parts than a conventional mortgage, including higher credit score requirements, stricter debt-to-income ratios, more extensive documentation, and often multiple property appraisals.

At Carlyle Financial, we simplify this process by handling each step for you. Our team of mortgage experts will assess your financial profile, provide personalized guidance on the most suitable loan options, and ensure you receive competitive rates. We prioritize efficiency and clarity, so your loan process is as seamless as possible.

If you’re ready to explore your financing options, contact us today. Whether you’re interested in a traditional jumbo loan, an interest-only option, or a program that allows you to leverage RSU income, Carlyle Financial is here to help you make informed, confident decisions. You can reach us by filling out the form on this page or by calling us directly.