South Florida is one of the most competitive luxury real estate markets in the country. From waterfront estates in Miami Beach to high-end homes in Fort Lauderdale, buyers often need financing well above traditional conforming loan limits. That is where jumbo loans come in.
At Valor Lending Group, we specialize in jumbo mortgage financing for primary residences, second homes, and investment properties across Florida. Whether you are a self-employed entrepreneur, high-net-worth buyer, or real estate investor, we structure jumbo loan solutions designed to match your financial profile and real estate goals.
What Is a Jumbo Loan?
A jumbo loan is any mortgage that exceeds the conforming and high-balance loan limits set by Fannie Mae and Freddie Mac. In South Florida, where luxury home prices are common, jumbo financing is often required to purchase premium properties.
Valor Lending Group offers a wide range of jumbo mortgage programs, including full documentation loans, stated income options, and flexible Non-QM solutions for borrowers who do not fit traditional lending guidelines.
Super Jumbo Loans Up to $30 Million
For ultra-high-net-worth borrowers, we offer super jumbo mortgage programs with loan amounts up to $30 million. These programs are designed for luxury estates, waterfront properties, and high-value condominiums in Miami and Fort Lauderdale.
Unlike traditional banks with rigid underwriting, we work with a broad network of lenders to provide flexible terms, competitive rates, and customized loan structures.
Ground-Up Construction Jumbo Loans in Miami
Building a luxury custom home in Miami requires specialized financing. Valor Lending Group provides ground-up construction jumbo loans for high-end residential projects. Whether you are developing a waterfront estate or a custom luxury residence, we can structure construction financing that aligns with your build timeline and capital needs.
Stated Income Jumbo Loans Up to $8 Million
Many South Florida buyers are self-employed, business owners, or investors with complex income structures. Traditional lenders often rely heavily on tax returns, which may not reflect true cash flow.
Valor’s stated income jumbo loan programs allow qualified borrowers to use bank statements and alternative documentation to qualify for jumbo financing, with loan amounts available up to $8 million. These programs are ideal for entrepreneurs, real estate investors, and high-earning professionals with variable income streams.
Private Money Loans Up to $25 Million
In fast-moving Florida markets, speed matters. Private money loans provide fast approvals, minimal documentation, and flexible structures for acquisitions, refinances, bridge financing, and investment properties.
Valor Lending Group offers private money loans up to $25 million, with funding timelines that can be significantly faster than traditional banks. These programs are popular for investors competing with cash buyers, purchasing off-market properties, or executing time-sensitive transactions.
Why Work With Valor Lending Group
We work with 21 Life Companies, 4 Family Offices, 2 Hedge Funds, 2 Thrifts, over 100 private investors, over 100 direct lenders (Banks & CU’s) and offer a broad range of mortgage programs, including jumbo, Non-QM, bridge loans, DSCR, and private capital solutions. Our approach is simple: structure the right loan for your scenario, move quickly, and close with certainty.
If you are looking to purchase or refinance a luxury property in Miami or Fort Lauderdale, contact Valor Lending Group today for a customized jumbo loan strategy.
Meet Darren Carlin
Darren Carlin
CEO | Founder
CA DRE#01935124
NMLS#1016245
Valor Lending Group
‘Pride in Lending’
Diamond View Tower
350 10th Ave – 10th Floor
San Diego, CA
Direct: (925) 872-0695
Office: (619) 810-0088
Fax: (619) 872-2400
dcarlin@valorlending.com
“Pride in lending”
Excellent. Simplicity. Limitless.
