Designed for higher-value home purchases that exceed standard conforming loan limits — competitive rates with the right lender match.
What it is
Jumbo loans are mortgages that exceed the conforming loan limits set by Fannie Mae and Freddie Mac. In most of Florida, that limit is $806,500 for a single-family home (2026). Anything above that is a jumbo loan and falls under different underwriting standards — usually with stricter credit, income, and reserve requirements.
Andrew Kashella's lender network includes specialty jumbo lenders who price competitively for high-net-worth borrowers, executives, doctors, and luxury-home buyers across Pinellas County, Greater Tampa, and the Florida coastline.
Who it's for
A few signs this program might be a strong fit. Even if you don't see yourself in this list, reach out — Andrew works with over 100 lenders and there's likely an option that fits.
Key Features
Loans above $806,500 in most of Florida — into the multi-millions.
Strong credit and reserves often unlock rates competitive with conventional.
Typically 700+ credit, 6–12 months reserves, full income documentation.
Many jumbo programs allow 10% down up to $2M (with PMI or piggyback).
Specialty programs for physicians, attorneys, and other licensed professionals.
Available for primary residences, second homes, and (some) investment property.
Frequently Asked
$806,500 for a 1-unit home in most counties (2026). Anything above is a jumbo loan. The limit increases for 2–4 unit properties.
10–20% is common, depending on loan size and lender. Some programs go down to 5% on smaller jumbos with strong credit. Above $2M typically requires 20%+ down.
Sometimes the same, sometimes higher, occasionally lower — it varies by lender. Specialty jumbo lenders often price competitively to win business from high-quality borrowers.
Yes, but expect higher rates, larger reserves, and tighter LTV (often 65–75% max).
Andrew Kashella is here to help you compare options, understand the numbers, and figure out if this program is the right fit for your situation.
Andrew Kashella — NMLS #139171 | Innovative Mortgage Services, Inc. — NMLS #250769
Loan programs are subject to borrower qualification, credit approval, and property eligibility. Not all applicants will qualify. Additional terms and conditions may apply. Interest rates and loan programs are subject to change without notice. This is not a commitment to lend or extend credit.