Jumbo Mortgages
Looking to finance a luxury home or high-value property in Miami? The Jumbo Mortgage program at Bennett Capital Partners Mortgage Brokers might be the ideal solution for you. As a licensed residential and commercial mortgage brokerage with over 20 years of experience, we specialize in offering flexible and innovative jumbo loan solutions tailored to meet the unique needs of high-net-worth clients. Whether you are purchasing or refinancing, our jumbo loans exceed the limits of conventional mortgages, giving you the opportunity to finance larger, luxury properties with ease.
Our team of experts will guide you through every step of securing a jumbo mortgage, providing you with insights on loan limits, eligibility requirements, and the documentation needed to obtain financing for high-value properties in Miami and throughout Florida. With our assistance, you can enjoy favorable terms, competitive rates, and personalized service designed to meet your financial goals while ensuring a smooth and seamless process.
At Bennett Capital Partners, we understand that every borrower’s financial situation is unique. That’s why we offer customized jumbo mortgage programs that fit your specific needs, whether you’re looking to purchase a luxury condominium, a non-warrantable condo, or an exclusive real estate investment. Our extensive network of jumbo loan lenders ensures that we can offer great Jumbo mortgage rates and flexible terms, making it easier for you to secure the financing you need.
Navigating the jumbo mortgage process can feel overwhelming, but we’re here to simplify it. Our experts provide hands-on guidance, making sure you have all the information necessary to make an informed decision. With competitive rates and a commitment to delivering exceptional service, Bennett Capital Partners Mortgage Brokers is your trusted partner for jumbo loans in Miami and across Florida.
📞 Call us now at 1-800-457-9057 or apply online to start your journey.
Our Expertise in Jumbo Mortgages
Bennett Capital Partners is your top choice for expert guidance on Jumbo Loans in Miami. Our team of mortgage experts has years of experience in the industry and has built a reputation as the go-to mortgage brokerage for affluent buyers looking to invest in Miami's booming luxury real estate market. Here’s why we are considered experts in Jumbo Loans throughout Florida:
Extensive Network of Lenders
As brokers, we have access to a vast network of lenders and banks that offer the best Jumbo Loans and Super Jumbo mortgages. This allows us to secure the most competitive interest rates and terms tailored to your financial situation as a high-net-worth or equity-rich borrower. We’re well-versed in Florida’s jumbo loan limits and the requirements needed for these loans. Whether you’re working with wholesale lenders, credit unions, private lenders, or non-QM lenders, we ensure multiple options are available for your specific jumbo loan scenario.
Personalized Service
At Bennett Capital Partners, we pride ourselves on offering personalized service to every client. We understand that each borrower’s financial situation is unique, and we work with you one-on-one to identify the best jumbo mortgage program for your luxury property purchase in Miami. Whether you’re financing a non warrantable condo or another high-value property, we’re here to help.
Fast Closing Times
We understand how critical timing can be when securing a jumbo loan. That’s why we prioritize fast closing times, ensuring that your loan is processed and closed efficiently. With our streamlined approach and dedication to service, you can expect a quick and smooth transaction for your luxury property purchase.
Competitive Rates
With our extensive lender network, we are able to find the most competitive interest rates available for your jumbo mortgage. Whether you’re looking to discuss Florida’s jumbo loan limits or inquire about super jumbo loans, we ensure that you get the best possible deal. We understand the importance of securing favorable terms to meet the financial planning needs of high-net-worth borrowers.
Industry Knowledge
Our team possesses a deep understanding of getting a jumbo loan in Florida, ensuring we stay current with the latest trends, regulations, and loan requirements. Whether you want to learn about Florida’s jumbo loan limits for 2024, the differences between super jumbo loans, or the best lenders for jumbo cash-out refinancing, we’re here to guide you through every step of the process.
If you’re looking to purchase or refinance a luxury home in Miami or anywhere in Florida, Bennett Capital Partners can help secure the financing you need to achieve your real estate goals. Contact us today to learn more about our jumbo loan programs and how we can get you started on your real estate journey in Miami.
📞 Call us now at 1-800-457-9057 or apply online to start your journey toward securing a jumbo mortgage today.
Jumbo Loan Programs
Prime Jumbo
Tailored for high-net-worth borrowers with strong credit, substantial income, and assets, this prime jumbo loan program offers competitive interest rates and favorable terms. It’s perfect for clients seeking larger loan amounts to purchase or refinance luxury properties in Miami and across Florida. With flexible options from top lenders, we ensure you secure the best possible financing for your real estate goals. Backed by 20+ years of experience in jumbo loans, Bennett Capital Partners provides expert guidance through every step of the process.
Non-QM Jumbo Loans
Ideal for borrowers requiring flexibility, our Non-QM Jumbo Loans cater to those with unique financial situations. Whether you're self-employed, a foreign national, or need alternative income verification like bank statements or P&L-only documentation, this program offers customized solutions. Perfect for financing luxury properties in Miami and across Florida, our Non-QM mortgages provide flexible terms without the strict guidelines of conventional mortgages. Bennett Capital Partners leverages its extensive network of lenders to find the best loan for your needs.
Foreign National Loans
At Bennett Capital Partners, located in the heart of Brickell, Miami’s financial hub, we specialize in Foreign National Jumbo Loans for non-U.S. citizens looking to invest in high-value properties. With over 20 years of experience, including extensive work with international banks, our team understands the unique needs of foreign buyers. We offer flexible documentation options without requiring U.S. credit, making it easier for international investors to purchase luxury properties in Miami and throughout Florida. Let our expertise in foreign national financing guide you through the process seamlessly.
Super Jumbo Loans
For luxury properties that require financing beyond standard limits, Super Jumbo Loans from Bennett Capital Partners are designed for high-net-worth individuals. Typically, Super Jumbo Loans cover loan amounts starting at $3 million and up. From our Brickell location in Miami, we offer tailored solutions for purchasing or refinancing exclusive real estate. Our expertise in handling high-value transactions ensures you get competitive rates and flexible terms. Whether you're acquiring a luxury estate or a premier residential property, our team has the knowledge and network to meet your unique financial needs.
Private Lending Loans
Bennett Capital Partners, based in Brickell, Miami, offers Private Lending Jumbo Loans that encompass a wide variety of real estate investment financing options. These include Fixed Rate Rental Loans, Fix and Flip Loans, Spec Loans, Land Loans, Bridge Loans, Hard Money Loans, and Commercial Loans. Tailored specifically for real estate investors, these loans provide flexible terms and generally do not require income verification. Borrowers can close in LLCs or Corporations, making them particularly attractive for investors. With our network of private lenders and vast experience, we offer competitive financing tailored to your investment needs.
Jumbo Bridge Loans
Bennett Capital Partners offers Jumbo Bridge Loans ideal for investors needing fast, short-term financing for high-value properties. These loans can be used to refinance existing investment properties or for quick acquisitions. With no income verification required, borrowers benefit from swift closings, typically within 5-10 business days. Many of these loans have no set maximum loan size and are often capped at 60-65% Loan-to-Value (LTV) to minimize risk. A credit score of 650 or higher is recommended for the best rates, ensuring flexible terms and fast access to capital through our extensive lender network.
Jumbo Portfolio Loans
Jumbo Portfolio Loans from Bennett Capital Partners cater to high-net-worth borrowers seeking flexible financing for luxury properties. Offered by banks or wholesale lenders, these loans require very strong borrowers with full income verification, including tax returns, sufficient liquidity for down payments and reserves, and high credit scores. They also allow for interest-only payments and adjustable-rate mortgages (ARMs). With higher loan limits and personalized terms, we tailor each solution to your specific needs, leveraging our local expertise and extensive network from our Brickell, Miami location.
Jumbo Hard Money Loans
Hard Money Jumbo Loans from Bennett Capital Partners provide flexible, short-term financing for residential and commercial properties in Florida. These loans are primarily based on the value of the property, with Loan-to-Value (LTV) ratios typically capped at 60-65%, ensuring risk mitigation. While property value is the main qualifier, other factors such as the borrower's experience and exit strategy may also be considered. With 12-24 month balloon terms and interest-only payment options, they are ideal for fast acquisitions, quick-close situations, or cash-out transactions. Borrowers can close in their personal name, LLC, or corporation, offering additional flexibility for real estate investors.
Jumbo Mortgage FAQ's
What is the jumbo loan limit in Florida for 2026?
A Florida mortgage becomes a jumbo loan above $832,750 in 2026 for a single family home in most counties. Monroe County in the Florida Keys is higher at $990,150. Limits are higher for two to four unit properties. The FHFA updates these values every year.
What is the jumbo loan limit in Miami for 2026?
Miami-Dade County uses the national baseline limit. Any single family loan amount above $832,750 in Miami is a jumbo loan in 2026. The limit applies to the loan amount, not the purchase price of the home.
What credit score is required for a jumbo loan in Florida?
For a jumbo loan in Florida, a credit score of 700 is typically required, with 740 or higher recommended for the best rates. Non-QM jumbo loans may offer flexibility for borrowers with alternative income sources or slightly lower scores.
How much is the down payment on a jumbo loan?
A 20 percent down payment is common on prime jumbo purchases. Select programs may allow as little as 10 percent down for well qualified borrowers, subject to lender guidelines and loan amount.
Do jumbo loans require private mortgage insurance?
Generally no. Most jumbo lenders do not require PMI. They manage risk through down payment size, cash reserves, and credit standards instead. Individual lender policies vary.
Can foreign nationals get a jumbo loan in Miami?
Yes. Many foreign national jumbo programs do not require a U.S. credit history. Lenders typically verify identity, source of funds, and the property. Bennett Capital Partners Mortgage Brokers arranges these loans for international buyers throughout Florida.
Can I get a jumbo loan on a Miami condo?
To refinance your jumbo mortgage, you can explore options like cash-out refinancing or rate-and-term refinancing. Bennett Capital Partners helps clients take advantage of lower rates, with flexible terms for high-value properties across Florida.
What is a super jumbo loan?
A super jumbo loan generally refers to loan amounts of $2 million or more. Some lenders reserve the term for $3 million and above. These loans often involve private banks or portfolio lenders and larger reserve requirements.
Are jumbo loans available for investment properties in Florida?
Interest rates for jumbo mortgages in Miami depend on market conditions, the borrower’s credit profile, and the loan amount. Prime jumbo loans often feature competitive rates, while Non-QM jumbo loans may have slightly higher rates due to added risk.
Can self employed borrowers qualify for a jumbo loan?
Yes. Bank statement, P&L only, 1099, and asset depletion jumbo programs may serve self employed borrowers whose tax returns do not reflect their full income. Guidelines vary by lender.
How do jumbo mortgage rates compare to conforming rates?
The gap between jumbo and conforming pricing has narrowed in recent years. Actual pricing depends on the lender, loan size, credit profile, property type, and market conditions. As a brokerage, we compare pricing across multiple lenders for every scenario.
Can I refinance a jumbo mortgage in Florida?
Yes. Rate and term and cash out jumbo refinances are available. Cash out programs typically cap the loan to value below purchase loan levels. Documentation and reserve requirements still apply.
How long does a jumbo loan take to close?
Full documentation jumbo loans often close in 30 to 45 days. Bridge and hard money programs may close much faster, sometimes within one to two weeks, subject to title, appraisal, and lender timelines.
Speak With a Jumbo Mortgage Specialist
📞 Call 1-800-457-9057 or apply online. Tell us about the property and your timeline. We will shop your scenario across our lender network and present your options.
What Our Clients Say
Alex S.
Philip was highly recommended to me and he did not disappoint. He was incredibly helpful and honest throughout the entire process, getting us the best program that matched our needs. We really didn't think we had a chance and luckily Philip was able to deliver on our dream home!