Luxury · Florida
Jumbo Home Buyer in Florida
Buying above the conforming limit in Florida? Get white-glove jumbo financing up to $5M with portfolio and bank-statement options.
Common challenges we solve
- Conforming limits too low for the home you want
- Complex income structures (RSUs, bonuses, K-1s)
- Demanding closing timelines
What you get with Lumos
Jumbo to $5M+ (super-jumbo by quote)
RSU, bonus, and K-1 income recognized
Asset-based options for portfolio buyers
What's different in Florida
Many Florida luxury homes are waterfront, so flood insurance, windstorm coverage and elevation certificates matter in underwriting. Luxury condos in buildings three stories or taller are also subject to Florida's milestone inspection and SIRS reserve rules, which jumbo lenders review. Florida has no state income tax; at closing, Florida charges documentary stamp tax on the note and deed and a one-time intangible tax on new mortgages, which we include in your estimate.
Loan programs that typically fit
Frequently asked
- How much down on a jumbo?
- Down payment requirements vary by program — we'll show you your options.
- Can RSUs count as income?
- Yes — with a 2-year vesting history and continuing schedule.
