Custom Jumbo Mortgage Solutions for Your Financial Goals

What is a Jumbo Loan?

A jumbo loan is any mortgage that exceeds the conforming loan limits set annually by the FHFA. In 2025, that’s $806,500 for most one-unit properties. In high-cost areas, that limit goes up to $1,209,750.

Conforming vs. Jumbo vs. Super Jumbo:

• Conforming Loans: At or below your county’s limit (backed by Fannie Mae/Freddie Mac)
• Jumbo Loans: Above the local conforming cap
• Super Jumbo Loans: Generally $2 million and above; require bespoke underwriting and niche lender partnerships

Carlyle Financial’s Jumbo & Super Jumbo Loan Solutions

At Carlyle Financial, we offer a wide range of flexible jumbo and super jumbo loan options for complex financial profiles and high-value properties. We have access to direct lending, regional banks, credit unions, and specialty lenders to give you competitive options tailored to you.

Service Highlights:

• Income from RSUs
• High Loan Amounts (up to $15 million)
• Complex Income Profiles (self-employed, layered income)
• Flexible Programs (40-year terms, Interest-Only, ARMs, asset-based lending)
• Specialized Properties (non-warrantable condos, multi-family, investment)
• Alternative Documentation (bank statement loans, 1-year tax return)
• Entity Vesting (LLCs, trusts, other legal structures)

Do You Need a Jumbo Mortgage?

You might if you:

• Are buying in a high-cost market like California, NYC, or coastal metros
• Have income from stock, bonuses, or irregular sources
• Are building a real estate portfolio with larger properties
• Own a business or are self-employed
• Want to keep monthly payments low with interest-only options 
• Want one loan vs. multiple conforming loans

What’s Next?

We’ll walk you through the entire jumbo mortgage process from initial consultation to closing.

Highlights:

1. Free consultation + pre-approval
2. Custom loan structuring from our lender network
3. Streamlined processing—we handle all paperwork and third-party coordination
4. Hassle-free closing, backed by ongoing support

Our advisors will help you weigh your options, understand rate structures and get a loan that fits your financial goals.