Jumbo Loans
Go Bigger with a JUMBO Loan Built for Self-Employed Borrowers & Investors
Buying or refinancing a higher-priced home? Whether you're self-employed, a business owner, or an investor, you don't have to squeeze into "traditional" boxes to access JUMBO financing — especially when gift funds can help you get to the closing table on a primary residence.
NMLS# 2311093 · Equal Housing Lender
"Your Income Is Strong, But Your Loan Size Scares Traditional Lenders"
In higher-priced markets, the homes you actually want often sit above conforming loan limits.
If you're self-employed, a business owner, or an investor, you might hear:
- "Your loan amount is too high for this program."
- "Your income is too complex."
- "We're not comfortable with that much leverage."
On top of that:
- Tax write-offs make your income look lower
- You might have multiple entities, K-1s, or variable income
- You're juggling capital between your business and real estate
You know the payment fits your budget, but the guidelines don't fit your reality.
That's where JUMBO loans tailored to entrepreneurial borrowers come in — and where gift funds can play a powerful supporting role on a primary residence.
Jumbo Loans Designed for High-Income, High-Asset Borrowers
A Jumbo loan is simply a mortgage that's larger than standard conforming limits — and it's common for successful self-employed borrowers and investors. I structure JUMBO financing to work with complex or variable income, strong asset positions, and higher price points in competitive markets.
And on primary residence purchases, eligible gift funds can help you bridge the gap between where you are and the down payment you need.
What Is a Jumbo Loan & Who It's For
What Is a Jumbo Loan?
A Jumbo loan is any mortgage that exceeds standard conforming loan limits in your area. It's used for higher-priced primary homes, upscale move-up homes, luxury properties, and larger loan amounts that require more flexible underwriting.
Who This Works Best For
- Self-employed borrowers with strong cash flow but complex tax returns
- Business owners balancing personal and business finances
- Investors purchasing or refinancing higher-value properties
- Borrowers with solid credit and assets who simply need more than the conforming maximum
If your home price is big, your loan needs to be, too — and that's where Jumbo comes in.
Gift Funds: How They Work with Jumbo
(Primary Residence Only)
On primary residence Jumbo loans, many investors allow gift funds, but the rules are more detailed than on smaller loans. Here's what typically applies:
Primary Residence Only
Gift fund options are only available for a primary residence purchase — not second homes or investment properties.
Minimum Borrower Contribution Required
Lenders usually require you to put in some of your own money — typically 5–10% of the purchase price must come from your own funds. The rest of the required funds (within guidelines) may be eligible to come from a gift. This shows you have meaningful skin in the game.
What the Gift Can Cover
Depending on the investor and program, gift funds may be allowed to cover part of the down payment, some or all closing costs, and sometimes reserves (extra savings required after closing). I'll walk you through exactly how far your gift funds can stretch under your specific Jumbo program.
Who Can Give the Gift
The donor must be someone with a close, acceptable relationship to you — such as a family member, spouse, domestic partner, or in some programs, a fiancee. I'll provide a simple gift letter template and show you how to document the transfer so it's fully compliant.
Simple Jumbo Roadmap
Quick Strategy Call or Online Form
Share the basics:
- Property price and type (primary residence, second home, or investment)
- Approximate loan amount and down payment
- Whether you'll be using gift funds
- How you primarily earn income (self-employed, business owner, investor)
Gift Fund & Contribution Plan (For Primary Residence)
For a primary home purchase, I'll:
- Confirm your required minimum borrower contribution (often 5-10% from your own funds)
- Map out how much can realistically come from gift funds
- Clarify what portion can go to down payment, closing costs, or reserves based on investor guidelines
Documentation & Pre-Approval
I'll guide you through providing:
- Income and asset documentation
- Info on any gift donors (relationship + gift letter)
- Basic property details
Then I issue a Jumbo pre-approval so you can shop or negotiate with confidence.
Lock, Underwrite & Close
Once you're under contract:
- Lock in your Jumbo rate and terms
- Finalize documentation and appraisal
- Close and get the keys — with your own funds + gift funds structured correctly for a clean approval
Frequently Asked Questions
Can I use gift funds on any Jumbo purchase?
How much of my own money do I have to put in?
What can gift funds pay for?
Who can give me the gift?
I'm self-employed with lots of write-offs. Can I still get a Jumbo loan?
Ready to Structure a Jumbo Loan That Actually Fits Your Life?
If you're a self-employed borrower, business owner, or investor looking at higher-priced homes, you don't have to go it alone — or fund the entire down payment by yourself.
Secure online form · No obligation · Fast answers once your property info is reviewed