Luxury financing for Brickell penthouses, waterfront estates, and Miami Beach mansions exceeding conforming limits.
Miami's luxury real estate market operates on a different plane entirely. Star Island, Indian Creek, Fisher Island—these addresses command $10M-$100M+ price tags and attract the global ultra-high-net-worth elite. But jumbo lending in Miami extends far beyond billionaire enclaves. Miami-Dade's conforming limit of $832,750 means even a standard 3-bedroom in Coral Gables, Coconut Grove, or Key Biscayne requires jumbo financing. With the median single-family home in Miami-Dade approaching $600K and desirable neighborhoods consistently exceeding $1M, jumbo loans have become the standard financing tool for Miami's upper-middle-class buyers. Our programs accommodate the complexity of Miami's condo market, including condotels and buildings with commercial components.
$1.2M–$15M+
Island exclusivity, top-rated schools, oceanfront estates
$800K–$8M+
Historic canopy roads, waterfront mansions, bohemian elegance
$1M–$5M+
Sky-high luxury condos, panoramic bay views, urban sophistication
$700K–$4M
Acre lots, top school district, family luxury enclaves
$900K–$20M+
Oceanfront living, world-class dining, international prestige
Finance Miami luxury properties with jumbo loans up to $5 million—higher on a case-by-case basis.
We navigate Miami's complex condo market including non-warrantable projects, condotels, and high-rise buildings.
Miami's international buyers can qualify using foreign income streams, offshore assets, and bank statements.
Preserve liquidity with interest-only jumbo payments for the first 10 years on properties up to $3M.
High-net-worth buyers can qualify using assets alone—no traditional employment verification needed.
Florida's zero state income tax makes jumbo financing particularly attractive for relocating high earners.
Get your personalized jumbo loan rate in minutes. No obligation, no credit impact for pre-qualification.
In Miami-Dade County, any mortgage above $832,750 is considered jumbo. Many neighborhoods routinely require jumbo financing for standard properties.
Yes. We finance condos in buildings other jumbo lenders avoid, including those with less than 50% owner-occupancy or pending HOA litigation.
Typically 10-20% for primary residences, 15-25% for investment. Exceptional profiles may qualify for 10% down on loans up to $2M.
Related Florida Loan Programs:
Connect with Emmett directly. Quick response, personalized guidance for your Miami home purchase.