A Jumbo Loan Built Around Your Second Home.
Qualify with a range of flexible documentation options, for purchase, refinance, or cash-out up to $3 million.*
Your second home, financed.
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 and second homes*
- 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
Loan amounts starting just above the conforming limit, up to $3 Million*
Buy, refinance, or take cash out
Primary or second home
Qualify with a range of flexible documentation options
Down payment requirements vary by loan size*
Fixed rate financing
What is the Saxton Jumbo Second Home Loan?
Financing for loan amounts above standard conventional limits
The Saxton Jumbo Second 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 Second Home Loan?
Built for the second home that costs more than conforming allows.
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.*
A Place You Use
A second home is one you occupy part of the year rather than rent out.
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 Second Home Loan.
Yes. Second home is an eligible occupancy on the jumbo programs available to us, with its own tiers rather than the ones used for a primary residence.
Yes. On at least one program a jumbo second home is limited to one unit, so a duplex you intend to use as a second home will not fit.
Single-family homes, PUDs and warrantable condominiums. Co-ops, condotels and non-warrantable condominiums are not eligible.
Up to $3 million, with the largest balances sitting in the strongest credit and reserve tiers.
Reserves climb with the balance on a second home and reach eighteen months at the top tiers. That is the number that surprises people most.
The larger second home balances call for a 740 score. Smaller balances start lower.
Yes. Cash-out is available on a second home, though the loan amount tiers are tighter than they are on a purchase.
Find out what you qualify for
Whether you’re buying, refinancing, or pulling cash out, there’s likely a Saxton Jumbo Second 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.