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Super Jumbo Loans
At the top of the market, loans stop being products off a rate sheet and start being individually structured.
Quick Answer
Super jumbo financing generally refers to loan amounts well above standard jumbo thresholds, often several million dollars, where pricing and structure are set by individual investors rather than by a standardized rulebook. Underwriting focuses on liquidity, reserve depth, asset composition, and often a full appraisal review. Because guidelines are investor-specific, the same file can be structured very differently from one lender to the next.
What changes at this size
- Portfolio and private lenders matter more than agency guidelines
- Asset-based and alternative documentation approaches become viable
- Appraisal and property complexity carry more weight
- Terms are frequently negotiated rather than published
Why a broker helps here
The difference between lenders at this level is not marginal. Placement, relationship, and how the story is presented change the outcome, which is exactly the work a broker does.
Frequently Asked Questions
There is no single industry definition, and lenders draw the line differently. Practically, it is the point where the file moves to portfolio and private lenders.
Asset-based approaches are common at this level, subject to each lender's program.
Often yes, and that is frequently why the file lands here. Complex properties need a lender who will actually underwrite them.