Non-QM Jumbo Loans

High-value financing that doesn’t stop at the conforming line.

A non-QM jumbo loan finances large loan amounts — well past conforming and agency-jumbo limits — with flexible documentation. Whether you’re buying a high-value home or a self-employed borrower whose income doesn’t fit an agency box, this is how big loans get done.

Non-QM jumbo terms at a glance

All figures shown are maximums, with exceptions considered case-by-case. Final terms are quoted per deal and depend on your credit, the property, and the program that fits your file.

Who it’s for

Non-QM jumbo fits buyers and owners of high-value property who need financing beyond standard limits, and borrowers who’d rather document income with bank statements or assets than full tax returns. It sits alongside our other non-QM lending options.

What a non-QM jumbo loan can do

• Borrow up to $20,000,000
• Finance up to 90% of value
• Document income with bank statements, assets, or full docs — no tax returns where alt-doc applies
• Credit from the low-600s
• Available for primary, second home, and investment property

Every figure above is a program maximum, not a guarantee — your actual terms depend on credit, the property, and your documentation. We’ll quote real numbers once we see your file.

Frequently asked questions

What is a non-QM jumbo loan?

A non-QM jumbo loan finances amounts well above conforming and agency-jumbo limits using flexible, non-QM documentation — bank statements, assets, or full docs — instead of strict agency underwriting. It’s built for high-value properties and borrowers whose income doesn’t fit a conventional box.

How large a loan can I get?

Loan amounts run up to $20,000,000 on qualifying programs, with financing up to 90% of value. Your maximum depends on credit, the property, and the documentation you provide.

Can I get a jumbo loan without tax returns?

Yes. Where alternative documentation applies, you can qualify with bank statements or assets instead of tax returns, even at jumbo loan sizes.