jumbo loan

Jumbo Loans

Jumbo Loan & Jumbo Mortgage Lender

Bluestar Mortgage of Orlando is your trusted jumbo loan lender, offering competitive jumbo loan rates, fast closings, and expert guidance. Whether buying a luxury home, high-value investment property, or a second home in a high-cost market, our jumbo mortgage programs are designed to help you secure the property you want, without unnecessary delays or limitations.

Low Jumbo Loan Rates and Fast Closings

At Bluestar Mortgage, we underwrite our jumbo loans in-house, which means we can close in as little as 21 days—faster than traditional lenders. As a leading jumbo mortgage lender, we provide personalized service, fast approvals, and access to a wide range of jumbo loan financing solutions.

What Is a Jumbo Loan?

A jumbo loan is a mortgage that exceeds the conforming loan limits set by the Federal Housing Finance Agency (FHFA), meaning it cannot be bought, guaranteed, or securitized by Fannie Mae or Freddie Mac. This limit is around $726,200 in standard markets but can rise to $970,801 or more in high-cost areas.

If you’re looking to purchase a luxury property or real estate in affluent areas such as Silicon Valley or coastal Florida, a jumbo mortgage from Bluestar Mortgage may be the solution you need.

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Benefits of a Jumbo Loan with Bluestar Mortgage

Choosing the right jumbo mortgage lender can make all the difference. Here’s why Bluestar Mortgage is the best choice for your high-value property purchase:

  • As little as 3.5% down for loan amounts up to $1,500,000 on primary homes
  • 10% down for second homes—no 20% requirement!
  • No PMI (Private Mortgage Insurance), saving borrowers thousands
  • DTI ratios up to 45% accepted
  • Loan amounts up to $3 million and beyond
  • Fixed-rate (15–30 year) and ARM options (5, 7, 10-year)
  • Condos, single-family homes, and 2–4 unit properties are eligible
  • Close in as little as 21 days thanks to in-house underwriting

Who Needs a Jumbo Loan?

If you’re financing a home that exceeds the conventional loan limit for your area, you will need a jumbo mortgage. These types of loans are perfect for:

  • Luxury home buyers
  • Real estate investors
  • Buyers in high-cost housing markets
  • Those seeking second or vacation homes

Jumbo Loan Requirements

Due to the high risk associated with jumbo loan lending, qualifications can be more stringent. Here are the typical requirements when applying through Bluestar Mortgage:

  • Credit Score: Minimum 680 (700+ preferred)
  • Down Payment: Starting at 3.5% for primary homes
  • DTI Ratio: Up to 45%
  • Cash Reserves: 6–12 months of reserves may be required
  • Documentation: Tax returns, recent pay stubs, and 60-day bank statements
  • Self-Employed Borrowers: Must provide two years of tax returns and proof of sufficient income

Jumbo Loan Rates

Jumbo mortgage rates are often slightly higher than conventional rates but remain highly competitive. Sometimes, jumbo loan rates can even be lower depending on market conditions and borrower strength.

Unlike other jumbo loan lenders, we help you lock in the lowest possible rate based on your profile and market trends, whether you’re interested in a fixed rate or an adjustable-rate mortgage.

Jumbo Loan Property Types

Eligible property types for jumbo loans include:

  • Primary Residences
  • Second Homes
  • Investment Properties
  • Single-family homes
  • Condominiums
  • Multi-family properties (up to 4 units)

Whether you’re buying a penthouse in Miami or a waterfront home in Palm Beach, our jumbo loan financing programs will confidently get you there.

Why Choose Bluestar Mortgage?

At Bluestar Mortgage, we are not just any jumbo loan lender—we’re your partner in securing the home of your dreams. Our experienced jumbo loan brokers provide:

  • Fast, responsive service
  • Expert guidance on eligibility
  • Low rates tailored to your goals
  • Personalized loan structuring
  • Peace of mind during complex transactions

Connect with a Bluestar Jumbo Loan Expert Today

Ready to explore your jumbo loan options? Contact Bluestar Mortgage of Orlando at 321-400-5545 to speak with an experienced jumbo loan broker. We’ll walk you through the best jumbo mortgage options and help you determine whether a jumbo home loan is right for you.

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We guarantee On - Time Closing

We guarantee that we will be able to close on or before your set closing date or we will waive all of our lender fees.

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