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High-Value Properties

Jumbo Loans

Financing for luxury homes and high-value properties that exceed conforming loan limits. Competitive rates for qualified buyers.

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Financing Your Dream Home

When your dream home exceeds conforming loan limits, jumbo loans provide the financing you need with competitive terms for well-qualified borrowers.

Loan amounts above $832,750
Competitive interest rates
Fixed & adjustable options
Finance luxury properties
Primary, second & investment
Asset-based qualifying

Jumbo Loan Qualifications

Minimum Credit Score700+ typical
Down Payment10% - 20%+
Debt-to-Income RatioUp to 43%
Loan AmountAbove $832,750
Cash Reserves6-12 months typical

Jumbo Loan Calculator

Estimate your monthly payment for high-value properties. Adjust the details below to see your estimated payment.

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%
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PMI Waived (20%+ Down)

Estimated Monthly Payment

$5,432.39
Principal & Interest$4,524.06
Property Tax$708.33
Home Insurance$200.00
HOA Dues$0.00
Total$5,432.39

This calculator is for informational purposes only. Results are estimates and are not exact — they do not include all closing costs, prepaid interest, or escrow deposits. PMI rates are approximate and can vary based on credit score, debt-to-income ratio, and other factors. Contact us for a personalized quote.

Get Pre-Approved

This calculator is for informational purposes only. Results are estimates and are not exact — they do not include all closing costs, prepaid interest, or escrow deposits. PMI rates shown are approximate and can vary based on credit score, debt-to-income ratio, loan purpose, and property type. This is not a loan approval or offer. Contact us for a personalized quote.

2MG Daily

Latest Jumbo Insights

Recent articles from our blog covering jumbo loans, high-value properties, and luxury home financing.

Luxury Home Financing

Let The 2 Mortgage Guys find the best jumbo loan terms for your high-value property.

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The 2 Mortgage Guys

Branch Managers and Senior Loan Officers at Luminate Bank

Contact Us

(765) 450-8933

[email protected]

Ryan Minick NMLS 203249

Steve DeLon NMLS 202876

Luminate Bank NMLS 1281698

Equal Housing LenderEqual Housing Lender

Kokomo's Mortgage Team. Lending Nationwide.

1221 Appletree Lane, Kokomo, IN 46902

NMLS Consumer Access

Luminate Bank NMLS 1281698 Bank Headquarters 2523 S. Wayzata Blvd., Suite 100 Minneapolis, MN 55405 (952) 939-7200. This is not an offer to enter into an agreement. Information provided is outlining the minimum down payment requirements as allowed by specific loan program and product guidelines and any information, rates and programs are subject to change without prior notice and may not be available in all states. All loans are subject to credit and property approval. Luminate Bank is not affiliated with any government agency. All rights reserved.

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