What makes a loan jumbo?

It exceeds the conforming loan limit for the county the property is in. Those limits change annually and vary substantially by market.

Are the requirements much stricter?

Generally the reserve and documentation expectations are higher. Whether that is a problem depends entirely on your file, which is why we look at it first.

Can I get a jumbo loan while self-employed?

Yes. It is common. Bank statement documentation is frequently the right route.

Jumbo Financing

Above conforming limits, without the runaround.

Jumbo loans exceed the conforming limits set for conventional financing. They are underwritten more closely, which means the quality of your loan officer matters more, not less.

See if I qualify Call 708-888-1518

A large stone and cedar American home on a generous lot with mature specimen trees at golden hour

Who this is for

Buyers in higher-priced markets or purchasing larger properties
Borrowers with strong but complex financial profiles
Anyone whose file is too large or too unusual for automated underwriting

Complex income welcomed
Equity compensation, partnership distributions, and multiple entities are normal here.
Manual underwriting
Jumbo files are read by people. That is an advantage when your situation needs explaining.
Across the footprint
From California to Florida, in every state we are licensed in.
Discretion
Larger files involve more sensitive information. We treat it accordingly.

Common questions

The things people
actually ask.

What makes a loan jumbo?: It exceeds the conforming loan limit for the county the property is in. Those limits change annually and vary substantially by market.
Are the requirements much stricter?: Generally the reserve and documentation expectations are higher. Whether that is a problem depends entirely on your file, which is why we look at it first.
Can I get a jumbo loan while self-employed?: Yes. It is common. Bank statement documentation is frequently the right route.

Ask about Jumbo

Two quick questions to start. A licensed loan officer calls you back — usually within minutes.

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Equal Housing
Lender
NMLS #1660690Sam Ahmed #221307
Licensed in 27 statesPowered by NEXA Mortgage, LLC

From people in the same position

“I've closed four investment properties with Homeland now. Their expertise in creative financing is why I keep coming back. They understand the numbers as well as I do.”
Kevin W.Chicago, IL
“The big banks kept giving me the runaround because I'm self-employed. Sam actually sat down, looked at my bank statements, and found a path to a DSCR loan that made sense for my portfolio.”
Marcus T.Naperville, IL