Loans above $837,500 · Augusta & the CSRA
Buying a high-end home? We have a jumbo for that.
When the loan amount goes above the conforming limit, most banks push you into one product. We don't. As an independent lender and broker we shop VA Jumbo, Conventional Jumbo, and Non-QM Jumbo programs side by side — so you get the right structure, not just whatever the bank has on the shelf.
VA Jumbo
For qualified veterans buying above the entitlement limit. $0 down may still be possible.
Conventional Jumbo
Strong credit + reserves? Sharp pricing on agency-overlay jumbos.
Non-QM Jumbo
Self-employed, bank statement, asset-depletion, or DSCR — alt-doc jumbos for non-traditional buyers.
One Conversation
Tell us about the property and the buyer — we'll show all three side by side.
30+
Years closing loans in the CSRA
NMLS# 148371
License
GRMA# 5819
State authority
Required disclosures honored
Equal Housing Lender
Three jumbo paths
Same goal. Three very different loan structures.
A “jumbo” is just a loan amount above the conforming limit (currently around $806K, higher in some counties — and indexed each year). Above that line, the program you choose matters more than ever.
For Veterans
VA Jumbo
Qualified veterans can finance above the standard county VA limit. With full entitlement, $0 down may still be possible on jumbo amounts.
- Full-entitlement: $0 down may apply
- Reduced or no PMI even on jumbo
- Funding fee waived for many disabled vets
- Faster path for active duty / PCS buyers
Strong Credit
Conventional Jumbo
The traditional path: documented W-2 income, strong credit, healthy reserves. Sharp pricing when the file is clean.
- Loan amounts well into the multi-million range
- Best pricing for 720+ credit and 20%+ down
- Owner-occupied, second-home, and investment
- Cash-out jumbo refinance available
Non-Traditional Income
Non-QM Jumbo
Self-employed? Bank-statement? Asset-rich but income-light? DSCR investor? Non-QM jumbos look at the file the way it actually exists.
- Bank-statement income (12 or 24 months)
- Asset-depletion qualification
- DSCR for investment properties
- 1099 / Profit-and-Loss only programs
Why this matters
On a jumbo, “one investor” can cost you a quarter point.
Most banks have one jumbo product. We have access to dozens. On a $1M loan, a quarter-point pricing difference is hundreds per month — and over $50,000 of interest across a 30-year term.
- We shop the jumbo investor pool — not one bank's shelf
- We know which investors love which buyer profiles
- For VA jumbo, we calculate entitlement before quoting
- Self-employed? We pre-screen the right alt-doc program first
The math at $1M
Illustrative only. Actual savings depend on credit, term, down payment, and current market pricing.
Jumbo FAQ
Common questions on bigger loans.
What loan amount makes a loan "jumbo"?+
Can I still get $0 down on a VA Jumbo?+
I'm self-employed. Will I qualify?+
What about an investor loan above conforming?+
Will this take longer than a normal loan?+
One conversation. Three jumbo programs compared.
Tell us about the property and the buyer. We'll come back with VA, Conventional, and Non-QM options side by side — no credit pull until you're ready.