Jumbo Loan with 5% Down Payment

What is a Jumbo Loan?

A Jumbo loan with a 5% down payment is otherwise known as a 5 percent down payment jumbo mortgage are loans that are above the conforming loan limits and are called a jumbo loan. This limit is set by Fannie Mae and Freddie Mac, who purchase loans from lenders. If a loan amount is higher than $510,400 then neither of the two government-sponsored entities will purchase that loan and it’s considered a Jumbo loan. Typically, both Fannie and Freddie buy the bulk of U.S. residential mortgages from banks and other jumbo lenders, freeing up liquidity to lend on more mortgages. We offer the best Florida Jumbo Mortgage Rates for a 5 percent down payment jumbo loan and we provide a lot more jumbo loan options than other jumbo lenders do.



Jumbo Loan Down Payment Options

  • 5% Down Payment for  Primary Residences & Second Homes.
  • 5% Down Payment on Condos.
  • 25% Down for Investment Properties.
  • VA Jumbo Home Loans.

Requirements for getting a Jumbo Loan with 5% Down Payment?

  • The borrower’s credit score should be 700 minimum to be eligible.
  • Maximum loan amount 1,000,000.
  • No Mortgage Insurance Required.
  • 6 to 12 reserves are required.
  • The programs are available for single-family residential housing (regular houses, townhomes, and condominiums).  Multi-unit, vacant land, and commercial properties are not eligible.
  • Debt to income is limited to 43%.
  • No BK, Short-Sales, or Foreclosures in the previous 7 years
  • 12-month waiting period loan options available for prior BK, Short-Sales, or Foreclosures with 660 scores 80 LTV up to $1,000.000.
  • 90% loan to value options available up to $2,000,000 

Serving borrowers across Florida, including;  Orlando, Miami, Tampa, Jacksonville, Coral Gables, and West Palm Beach.

Comparing Current Florida Jumbo Mortgage Rates

Finding the lowest Florida 5% down payment jumbo mortgage rates is very important, that’s why we’ve already searched them for you, getting the lowest rate possible could save you hundreds of dollars a year and thousands of dollars over the life of your loan. Yes, having us find you the best mortgage rates is a big deal.

Current Jumbo Mortgage Rates

When you “CLICK HERE,” you’ll instantly see today’s lowest Florida jumbo mortgage rates. If you see an interest rate you like, you can click to head straight to get your Custom Jumbo Loan with 5% Down Payment Quote.

Client Reviews

Why Should You Choose Us For Your Jumbo Loan with 5% Down Payment?

We work for You & Not the Bank.  When working with us, your not “stuck” with ONE bank’s restrictive set of underwriting guidelines, which can put caps on your debt to income ratio or require a lot of mortgage reserves! We always seek out the best lender to suit your specific situation and find lenders with the Best Mortgage Rates! Oh, Ya we don’t keep bankers hours we always answer your phone calls and text messages in the evening and on the weekends…. because we don’t get paid a salary…. we only get paid when your loan closes and most of the time we get paid by the lender and not by you!

We offer the Best Mortgage Rates!

Our “Outside The Box Thinking”  gets a jumbo loan with a 5% down payment approved and closed every day through a variety of unique loan products! One-Year Tax Returns, Cross Collateralizing Properties, Assets as Income, Bank Statement as Income, and No Income Verification Investment Loans. Along with our years of experience and understanding tax returns, knowing what expenses to add back in and how to stretch your funds to pay off debts to reduce your DTI. If necessary, we can try to increase your credit score, then do a rapid credit re-score.

Get Pre-Qualified Fast, see you’re credit scores immediately, and close in 30 days or less with our E Zip Mortgage! It’s all online, reduces paperwork, and provides you with a secure, collaborative document upload portal that regularly notifies you via text messaging & emails with all loan updates. Get Started Now!

Our Professional and Experianced Team of Loan Officers are ready to help you with your jumbo loan with 5% down payment.

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