Mortgages · High-Balance & Luxury

Financing for the high-value home.

Up to $3Mloan amount

Jumbo mortgages finance home loans above the conforming limit set by Fannie Mae and Freddie Mac. They're the standard for luxury markets, coastal cities, and any high-value property.

Our jumbo program is designed for sophisticated borrowers and high-value transactions. Competitive rates, flexible documentation options, and a process built around speed and discretion.

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At a glance

Eligibility & key terms

Eligibility

Credit score 700+ (best pricing at 760+)
Down payment from 10%; 20% for best terms
Strong reserves (typically 6–12 months PITI)
Documented income or asset-depletion programs
Primary, second home, or investment

What you'll need

Two years of tax returns (or alternative docs)
Two months of bank/investment statements
Asset documentation for reserves
Purchase contract or current loan docs
Appraisal (sometimes two for highest-value homes)

Loan amount

$806,500 to $3,000,000

Loan terms

15-yr · 30-yr fixed · 7/1 ARM · 10/1 ARM

Min down payment

10% (20% for best pricing)

Min credit score

700

Occupancy

Primary · Second home · Investment

Reserves

6–12 months PITI

Why Kyon for Jumbo

High-touch, high-velocity.

Discretion built in

Senior loan officers, white-glove process. Your file moves quietly and quickly.

Flexible documentation

Asset depletion, bank-statement, and traditional doc paths available.

21-day average close

Most jumbo files close in three weeks. Many in two.

Honored term sheets

What we send on day one is what we close on. No surprise repricing.

Honest fit

Is a jumbo loan right for you?

Jumbo is a good fit if you...

Need a loan above $806,500 (or higher in high-cost areas)
Have strong credit (700+) and significant reserves
Are buying luxury, coastal, or high-value property
Want a senior loan team handling your file

Probably not for you if...

Your loan amount fits the conforming limit (Conventional)
You qualify better with FHA/VA government programs
You can't document income or reserves
Your credit is still rebuilding

From quote to keys

A simple, four-step process.

Check your rate

Soft-pull rate quote — no impact to your score.

Apply

Complete application in our secure portal.

Underwrite

Senior team reviews. Appraisal(s) and title in parallel.

Close

Sign at the table. We wire. You get the keys.

Other options

Related mortgage programs

Ready to start?

A jumbo mortgage, done quietly.

Soft credit pull. Senior loan team. NMLS #11252078.

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