A Jumbo Home Loan Built Around Your Higher-Priced Home.
Qualify with a range of flexible documentation options, for purchase, refinance, or cash-out up to $3 million.*
Jumbo financing, made simple.
A bigger purchase does not have to mean a harder process.
- Qualify with a range of documentation options
- Purchase, rate-and-term refinance, or cash-out on eligible properties*
- Primary residences, second homes, and investment properties*
- Down payment requirements vary by loan size on eligible jumbo programs*
- Purchase & refinance with low-down-payment options, and cash-out is also available*
- Full-doc and flexible documentation paths for qualified borrowers
- The $3 Million maximum requires the strongest credit tier and 18 months of reserves*
- Cash out is capped at $2 Million*
- First time buyers are capped at $1.5 Million*
- Loans above $2 Million require two appraisals*
Loan amounts starting just above the conforming limit, up to $3 Million*
Buy, refinance, or take cash out
Primary, second home, or investment
Qualify with a range of flexible documentation options
Down payment requirements vary by loan size*
Fixed rate financing
What is the Saxton Jumbo Home Loan?
Financing for loan amounts above standard conventional limits
The Saxton Jumbo Home Loan is a full-featured mortgage for financing homes priced above the conforming loan limit.
Qualify with standard documentation: income, assets, and credit reviewed the usual way.
Use it to purchase a home, refinance your current mortgage, or take cash out of your equity, on a primary residence, second home, with loan amounts up to $3 million.*
Why choose the Saxton Jumbo Home Loan?
Built for buyers financing above the conforming limit.
Move-Up & Luxury Buyers
Finance higher-priced and luxury homes with loan amounts up to $3 million.*
Higher-Priced Purchases
Finance eligible homes, including 2–4 units, warrantable and non-warrantable condos.
Second & Vacation Homes
Purchase or refinance a second home in the market you love.*
Cash-Out Refinance
Tap your equity to reinvest, consolidate, or fund your next move on eligible properties.*
Fixed Rate Financing
This program is fixed rate, so the payment does not move over the life of the loan.
Higher Balances
Go above the conforming limit without splitting into multiple loans.
Hear From Homeowners Like You
Frequently Asked Questions
The questions we get asked most about the Jumbo Home Loan.
Loan amounts go up to $3 million,* depending on your credit, income and asset documentation, property type, and occupancy.
Yes. Qualify using a range of documentation options, or qualifying documentation via an expense-ratio method or a third-party-prepared documentation, whichever fits.
You can use it to purchase a home, refinance an existing mortgage (rate/term), or take cash out, on a primary residence, second home.
Jumbo programs generally call for strong credit, with the most flexible terms available at higher scores.
It depends on the size of the loan and the property. Larger balances ask for more, and we will tell you the number for your scenario before you commit to anything.*
Yes. This program is fixed rate, so the payment does not move.
Yes, cash-out refinancing is available. The amount you can access depends on your equity, credit profile, and property type.
Find out what you qualify for
Whether you’re buying, refinancing, or pulling cash out, there’s likely a Saxton Jumbo Home Loan program that fits. Get a fast, no-obligation pre-qualification today.
Get Pre-Qualified*Loan amounts, rates, terms, and down payment requirements are subject to credit approval, income and asset verification, and program eligibility. Maximum loan amount $3,000,000. Down payment and cash-out limits vary by occupancy, credit score, and documentation type. Not all applicants will qualify. Saxton Mortgage, LLC is an Equal Housing Lender.