Super-jumbo mortgage financing in Florida refers to non-agency, portfolio-underwritten loans above standard jumbo levels for multi-million-dollar properties and complex financial profiles. Whether you’re purchasing or refinancing, eligibility and terms are lender-specific. This guide outlines documentation-first options: asset-depletion, interest-only, bank-statement/no-ratio, and pledged-asset or cross-collateral, as well as considerations for foreign nationals and Florida SB4D condo notes.
What qualifies as a super jumbo mortgage loan?
A super-jumbo mortgage is a residential loan that exceeds agency purchase limits and is underwritten as non-agency (portfolio). For reference, the 2026 FHFA baseline conforming limit for 1-unit homes is $832,750; amounts above that are “jumbo.” “Super-jumbo” is a lender-defined tier used for multi-million-dollar balances and varies by program and investor.
Use the chart below to compare conforming/high-cost conforming, jumbo, and lender-defined super-jumbo tiers.
