Jumbo Home Loan Qualifications


These are loan amounts for a single-family home,  exceeding the conforming loan limits of 874,000 for Monroe County, Florida, and 726,200 for all other counties of Florida. The
larger loan amount is why they are often referred to as non-conforming loans. These loans are available for primary, vacation, and investment properties for single-family residences only.
 In addition, there are many alternative jumbo home loan programs to fit your unique needs.   


Standard Jumbo

Underwriting guidelines for a jumbo home loan are determined by the individual lender rather than the agencies of Fannie Mae and Freddie Mac. As a result, guidelines vary from lender to lender and can be very restrictive, especially with banks and direct lenders. Consumers may be surprised by the restrictive qualifications.   CharterStone Mortgage has access to jumbo loan programs with fewer documents and reserve requirements needed after closing than many lenders. The process is simple and fast, and we can close within two weeks. not to mention, our rates are hyper-competitive.   


  • Multiple programs to fit your financial situation
  • Fewer documents to send 
  • No or low amount of reserves needed.
  • Highly competitive rates
  • Fasts closings
  • Superior service and outstanding consumer experience

Flexible Jumbo Home Loans

Alternate programs are designed for the borrower that does not fit the traditional jumbo home loan programs. Visit the alternate credit and income page for more options.

  • Lower credit Scores allowed 
  • Bank Statements as income programs 
  • Investment Options 
  • No Income verification loans for investment properties 
  • DSCR Loan Programs for Invesment property 

 Information and programs are subject to change without notice. All applicants are subject to credit approval. Not all applicants are approved. CharterStone Mortgage is not affiliated with any government agency     

Get Pre-Approved Today

We will pre-approve you in minutes. Let's make you a preferred buyer with a
pre-approval letter.

Call us today

We are avaialble 7 days a week by phone, to meet in person or apply on line.

Scroll to Top