Jumbo Home Loans for High-Value Purchases
Competitive rates, flexible guidelines, and dozens of lenders, for buyers who need more than a conventional loan can offer.
Serving buyers in GA, FL, AL, NC, VA, and AZ
We Have Offer To You
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Your Jumbo Loan Specialist
As a mortgage broker, I'm not limited to one bank's guidelines or rate sheet. When you need a jumbo loan, I shop across dozens of lenders to find the program that fits your income structure, assets, and timeline — not the other way around.
Whether you're purchasing your forever home, upsizing from a starter home, or buying in a high-cost market, I'll help you compare programs, get accurate numbers, and close with confidence.
What You Get When You Work With a Mortgage Broker:
Access to dozens of lenders competing for your loan
Flexible income documentation options including W2, self-employed, and asset-based
Loan amounts from $750K up to $3M and beyond
Fixed and adjustable rate options
Down payment options as low as 10%
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What Is a Jumbo Loan?
A jumbo loan is any mortgage that exceeds the conventional conforming loan limit. In most markets, that means loans above roughly $750K fall outside of standard Fannie Mae and Freddie Mac guidelines — and require a lender who specializes in larger loan amounts.
Because jumbo loans aren't backed by the government, each lender sets its own guidelines. That's where having a broker matters. Instead of being told "no" by a single bank, we shop the market to find a lender whose program fits your specific situation.
Want a streamlined version of this page? Visit the Physician Loan Quick-Apply Page.
One Application. Dozens of Lenders.
The Best Jumbo Loan for Your Situation
Your situation shouldn't have to fit a single bank's box.
Banks can only offer you their own products. As a NEXA Loan Advisor (the nation's largest mortgage broker), I have access to a wide network of jumbo lenders with varying guidelines on income, assets, credit, and property type. That means more options, more flexibility, and a better chance of finding the right fit on the first try.
What we can work with:
Self-employed borrowers with complex tax returns
High earners with non-traditional income sources
Strong-asset borrowers with lower documented income
Buyers purchasing before their current home sells
Frequently Asked Questions
What's the minimum down payment on a jumbo loan?
Most jumbo programs require 10–20% down depending on loan amount and credit profile. Some programs allow as little as 10% down with strong credit and reserves.
What credit score do I need?
Most jumbo lenders look for a minimum 700 credit score. Higher scores unlock lower rates and better terms.
How is income documented for jumbo loans?
Standard W2 income, self-employed income via tax returns or bank statements, and asset-based qualification are all options depending on the lender program.
Are jumbo rates higher than conventional rates?
Not necessarily. Jumbo rates are set independently by each lender and can be very competitive, especially when you have strong credit and reserves. Shopping multiple lenders is the best way to ensure you're getting the best rate.
How much can I borrow?
Loan amounts vary by lender and borrower profile. Most programs go up to $2–3M, with some lenders going higher for well-qualified borrowers.
How long does the process take?
Jumbo loans can take 30–45 days depending on the complexity of your income and the lender's process. Getting pre-approved early gives you the most flexibility.
Ready to See Your Jumbo Loan Options?
Whether you're just starting your search or have a property under contract,
let's find the right program for your purchase.
OUR TEAM
Lennox Wardell
Chief Executive Officer
Sarah Odegard
President of Finance
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Executive Vice President
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Sales Manager
Testimonials
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Service Areas
Alpharetta • Atlanta • Brookhaven • College Park • Decatur • Dunwoody • Johns Creek
Kennesaw • Marietta • Roswell • Sandy Springs • Smyrna • Stone Mountain • Tucker
All product names, logos, and brands are property of their respective owners.
This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply. Copyright © 2022 | NEXA Mortgage LLC.
Licensed in: GA, FL, AL, NC, VA, AZ
NMLS# 2279879 | AZMB: 2001591, NMLS ID 1660690
Corporate Address : 5559 S. Sossaman Rd, Bldg 1, #101 Mesa, AZ 85212
Disclaimer: All loans subject to qualifying factors. Not all applicants will qualify.
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