Portfolio & specialty · Portfolio product
Jumbo loans for homes that don't fit inside a guideline.
Financing above conforming limits for primary and second homes, with portfolio options for borrowers whose income or assets are anything but ordinary.
- Loan amounts
- Above conforming
- Down payment
- 10%+
- Underwriting
- In-house
Best for
- Loan amounts above conforming limits
- Executives, physicians, business owners
- Asset-based qualification
Why a portfolio jumbo
Large loans get sold to investors with rigid rules. Because we can hold jumbo loans on our own balance sheet, we can qualify on assets, count restricted stock or bonus income sensibly, and close without the second-guessing a national investor adds.
Programs
Fixed and adjustable jumbo options, second-home and investment jumbo, and interest-only structures for the right borrower.
Questions people ask
- What's the conforming limit?
- It changes every year and varies by county. Anything above it is a jumbo loan; your loan officer will confirm the current number.
Often compared with
Next step
Ready to talk to a lender who can actually decide?
Start the application online, or call and ask for the mortgage department. Either way, a real human in Crystal Lake or Appleton takes it from there.