Jumbo Mortgages with as Little as 5% Down
Get flexible jumbo mortgages even when traditional banks say no.
90 reviews on Trustpilot
Built for larger loans, with low-down-payment flexibility.
Perfect for buyers who need financing beyond conforming limits without sacrificing the flexibility of a low down payment.
Property Types
Residential & commercial
Occupancy
Long- or short-term rentals
Acquisitions
Vacancy OK, no STR history
Broad Property Eligibility
Finance residential and commercial properties — including short- and long-term rentals.
$806,500+
No maximum loan amount
Financing up to 95% LTV
Beyond Conforming Limits
Loan amounts that start where conventional limits end — with no upper cap.
NationwideAvailable Nationwide
Lending in all 50 states.
Common-Sense Qualifying
Approval built around strong borrowers — not just a checklist.
From 5%
Down payment
45–50%
DTI
620+
Credit score
Do you qualify for this loan?
Here's what you need to qualify. Even if you don't meet every criterion, reach out — we'll help you find a path that works.
620+
Credit
You'll need a 620 score or better to qualify, with flexibility for strong financials.
From 5%
Down Payment
Down payments start at 5%, depending on your credit and loan amount.
1–3%
Closing Costs
Plan for roughly 1–3% of the amount you're financing to cover closing costs.
Under 45%
Debt
Less than 45% of your income should be going toward paying debt.
Frequently asked questions
Answers to the questions we hear most often about jumbo mortgages.
A jumbo mortgage is a type of home loan that exceeds the conforming loan limits set by the Federal Housing Finance Agency (FHFA). The current conforming loan limit is $806,500, so any loan amount greater than $806,500 is considered a jumbo mortgage. Jumbo mortgages are not backed by the government and, therefore, typically require a higher credit score and down payment than conventional loans. However, here at Modern Day Lending, we provide jumbo mortgage solutions that allow a lower down payment along with a lower credit score.
Still have questions? Talk to a real person on our team.
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Bank Statement
Location:
Stratton, VT
Closing amount:
$1,904,000
Project name:
Bank Statement
Location:
Chatsworth, CA
Closing amount:
$1,800,000
Project name:
Bank Statement
Location:
Key West, FL
Closing amount:
$3,500,000
Project name:
Bridge Loan
Location:
New York
Closing amount:
$3,000,000
Project name:
Bank Statement
Location:
Colorado
Closing amount:
$2,400,000
Project name:
Single Family Home
Location:
FL
Closing amount:
$2,200,000
Project name:
Bank Statement
Location:
Brigantine, NJ
Closing amount:
$2,135,000
Project name:
Bank Statement
Location:
Escondido, CA
Closing amount:
$2,000,000
Project name:
Bank Statement
Location:
Stratton, VT
Closing amount:
$1,904,000
Project name:
Bank Statement
Location:
Chatsworth, CA
Closing amount:
$1,800,000
Learn before you borrow
Guides and insights to help you qualify with confidence and pick the right program.
Ready to get started?
Talk to a real person from our team right now.