For The Loans That Sit Above Jumbo.
A specialty program for high-net-worth borrowers with a strong credit profile.
Built for balance sheets that do not fit a standard file
A specialty product for borrowers whose wealth is more complex than a salary.
- Designed for high-net-worth borrowers with a strong credit profile.
- Available for a primary, owner-occupied residence.
- Condominiums are eligible, including both warrantable and non-warrantable projects.
- Income can be documented with twenty-four months of personal bank statements.
- Asset utilization is available as an alternative, dividing eligible assets across eighty-four months.
- Gift funds are permitted once the borrower has met their own required contribution from their own funds.
High-net-worth borrowers
Owner-occupied primary residence
Warrantable and non-warrantable condos
24-month bank statement option
Asset utilization option
Strong credit profile required
What is the Saxton Super Jumbo Loan?
A specialty program for loan sizes and financial profiles beyond standard jumbo.
Above a certain loan size, the conversation changes. The question stops being whether you can afford the home and becomes how to document a financial life that does not reduce neatly to a salary and two years of W-2s. This program is built for that.
Income can be established through twenty-four months of personal bank statements, with qualifying income determined by the total eligible deposits divided by the number of statements. Alternatively, asset utilization is available, where eligible assets are divided across eighty-four months to arrive at a monthly figure. Assets used this way need to be sourced and seasoned for three months.
It is a program for a primary, owner-occupied residence. Condominiums are eligible, including non-warrantable projects that many lenders will not touch. Gift funds can be part of the picture, though only after the borrower has met their own required contribution toward the transaction from their own funds. Where a loan is being taken as cash out, those proceeds can count toward reserves on at least one program, though only when the credit score and the equity position both clear the threshold the program sets.
Why choose the Saxton Super Jumbo Loan?
For borrowers whose assets tell a fuller story than their pay stubs do.
Two Ways To Document
Twenty-four months of personal bank statements, or asset utilization across eighty-four months. Whichever reflects your situation more accurately.
Non-Warrantable Condos Work
Projects that fall outside standard warrantability rules are eligible here, which opens up buildings that are otherwise difficult to finance.
Beyond Standard Jumbo
This sits above conventional jumbo territory, for transactions where the usual products run out of room.
Assets Treated Properly
Eligible assets are given a defined role in qualifying rather than being noted and set aside.
A Real Conversation First
At this level the structure matters more than the checklist. We would rather understand the whole picture before pointing you at a product.
Reserves Handled Clearly
Cash-out proceeds can count toward reserves on at least one program, though only when the credit score and the equity position both clear the threshold, and we would rather establish that at the start than late in the file.
Hear From Homeowners Like You
Frequently Asked Questions
Straight answers about super jumbo financing.
It is a specialty program aimed at high-net-worth borrowers with strong credit, and it carries documentation options such as bank statements and asset utilization that a standard jumbo file may not offer.
No. This program is for a primary, owner-occupied residence.
Eligible assets are divided across eighty-four months to produce a monthly qualifying figure. Those assets need to be sourced and seasoned for three months.
Qualifying income is determined from twenty-four months of personal statements, using the total eligible deposits divided by the number of statements provided.
Yes. Both warrantable and non-warrantable condominium projects are eligible property types under this program.
Gift funds are permitted, but only after you have met your own required contribution toward the transaction from your own funds.
On at least one program, yes. Cash-out proceeds can be applied toward the reserve requirement when the credit score and the equity position both clear the threshold the program sets. On this program gift funds are treated differently and cannot be counted toward reserves.
Find out what you qualify for
If your finances are more complex than a salary and the loan size is beyond standard jumbo, let us look at the whole picture together.
Get Pre-Qualified*Loan amounts, rates, terms, and eligibility are subject to credit approval, income and asset verification, appraisal, and program guidelines. The super jumbo program is limited to owner-occupied primary residences and requires a qualifying credit profile and documented eligible assets. Alternative documentation options carry their own requirements and limits. Not all applicants will qualify. Saxton Mortgage, LLC is an Equal Housing Lender.