| Jumbo Loans in Florida
High-Value Financing for Luxury and High-Priced Homes
A Jumbo loan is a mortgage that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. Because jumbo loans are not backed by these agencies, they require stronger financial qualifications—but they also allow buyers to finance higher-priced homes with competitive terms.
At Mid Florida Mortgage Professionals, Rayce and his team help homebuyers across Oviedo, Central Florida, and throughout the state of Florida secure jumbo financing tailored to complex financial profiles and high-value properties.
What Is a JUMBO LOAN?
Jumbo loans are designed for homes priced above conforming limits and are commonly used in luxury markets and high-cost areas throughout Florida.
Florida buyers often choose jumbo loans because they offer:
Higher loan amounts beyond conforming limits
Competitive interest rates for well-qualified borrowers
Flexible loan structures (fixed-rate and adjustable-rate options)
Financing for primary homes, second homes, and some investment properties
Options for asset-based or alternative income documentation
Whether you’re purchasing a waterfront property, luxury home, or high-value residence, Rayce and his team will help structure a jumbo loan that aligns with your long-term financial strategy
Who Is a Good Fit for a Jumbo Loan?
Jumbo loans are commonly used by:
High-income earners
Business owners and executives
Move-up buyers
Luxury home buyers
Borrowers purchasing in high-priced Florida markets
Because jumbo guidelines vary by lender, Rayce and his team take a hands-on approach to evaluating income, assets, and credit to secure the most favorable terms possible.
Jumbo Loan FAQs
What credit score is required for a jumbo loan?
Most jumbo loan programs require strong credit, often starting around 700+, though requirements vary by lender, loan amount, and financial profile.
Higher credit scores generally result in better rates and more flexible terms.
How much down payment is required for a jumbo loan?
Down payment requirements typically range from 10%–20% or more, depending on:
⦿ Loan amount
⦿ Property type
⦿ Credit profile
⦿ Asset reserves
Rayce and his team will review multiple jumbo options to help minimize upfront costs while maintaining strong loan terms.
Are jumbo loan interest rates higher?
Not always. In many cases, well-qualified borrowers may find jumbo rates that are competitive with—or even lower than—conventional loan rates, depending on market conditions.
Because jumbo loans are more nuanced, Rayce and his team shop multiple options to find the best pricing available.
Can I use a jumbo loan for a second home or vacation property?
Yes. Many jumbo programs allow financing for:
⦿ Second homes
⦿ Vacation properties
⦿ Seasonal residences
Requirements may differ from primary residences, but Rayce and his team will guide you through the specifics.
Can I refinance a jumbo loan?
Yes. Jumbo borrowers in Florida often refinance to:
⦿ Secure a lower interest rate
⦿ Change loan terms
⦿ Access home equity
⦿ Consolidate debt
Jumbo refinances require careful structuring, and Rayce and his team will help evaluate whether refinancing aligns with your financial goals.
Jumbo Loans vs. Conventional Loans
Jumbo Loans May Be Better If:
Your loan amount exceeds conforming limits
You’re purchasing a luxury or high-value property
You have strong credit and assets
You want tailored financing solutions
Conventional Loans May Be Better If:
Your loan amount falls within conforming limits
You want lower down payment options
You prefer standardized underwriting guidelines
Every borrower’s situation is unique. Rayce and his team will help compare all available loan types and build a strategy that fits your goals.
Get Started With a Jumbo Loan in Florida
Financing a high-value home requires expertise, precision, and personalized service. Rayce and his team at Mid Florida Mortgage Professionals provide hands-on guidance to help you navigate the jumbo loan process with confidence.
📍 Serving Oviedo, Central Florida, and homebuyers statewide
📞 Strategic guidance, competitive pricing, and personalized solutions
Contact Rayce and his team today to explore jumbo loan options in Florida.
MID FLORIDA MORTGAGE BLOG
Appraisal Changes in 2026 Affecting Home Values
The housing market keeps evolving — and just when you think the changes are over, here comes another big one. New appraisal rules are coming, major institutions are weighing in on home values, and the... ...more
Florida Real Estate Market
January 27, 2026•2 min read
WHAT OUR CLIENTS SAY
Our clients are at the center of everything we do. Their experiences reflect our dedication to clear guidance, trusted mortgage expertise, and a home-financing experience built around care and understanding.
Contact Info
We’re here to make your home financing experience smooth and stress-free. Contact our team anytime — we’re ready to guide you through every step of your homebuying journey.
Location
235 S Central Ave, Oviedo Florida 32765
Phone
Mid Florida Mortgage Professionals
Company NMLS# 1587074
Rayce Robinson
LO NMLS # 322615
235 South Central Ave
Oviedo, Florida 32765
© 2026 Mid Florida Mortgage Professionals. All rights reserved. Mid Florida Mortgage Professionals is not affiliated with any government agencies. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply. Equal Housing Opportunity. NMLS Consumer Access
