Buy Bigger, Better, and Faster in Florida with a Jumbo Loan | Valor Lending Group

When it comes to Florida’s luxury real estate, conventional loan limits just don’t go far enough. From waterfront mansions in Miami Beach to high-rise condos in Tampa, and from gated golf-course estates in Naples to ocean-view properties in Palm Beach, many of the Sunshine State’s most desirable homes require more flexible, higher-limit financing. If you’re ready to Buy Bigger, Better, and Faster in Florida with a Jumbo Loan, you’ll have the power to move confidently on properties that others can’t reach.

At Valor Lending Group, I specialize in helping Florida homebuyers secure the financing they need to live large in this dynamic market. Whether you’re purchasing a primary residence, a vacation home, or an investment property, I’ll tailor a jumbo loan solution that fits your goals with competitive rates, flexible guidelines, and loan amounts that match the scale of Florida’s luxury lifestyle.

Call me, Hayden Madison, at 858-349-7538, or email me at hmadison@valorlending.com

Let’s open the doors to your next Florida estate.

Buy Bigger, Better, and Faster in Florida with a Jumbo Loan

What Is a Jumbo Loan?

When it comes to luxury homes in Florida, conventional loan limits just don’t stretch far enough. From Miami’s waterfront mansions and Palm Beach penthouses to the golf course estates of Naples and the coastal retreats in Sarasota, a jumbo loan is often the key to owning the lifestyle you’ve envisioned.

A jumbo loan is simply a mortgage that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac, limits that can’t keep up with Florida’s high-end real estate prices. These loans are essential for buyers who want to purchase or refinance luxury properties in the Sunshine State’s most sought-after markets.

At Valor Lending Group, I specialize in helping clients Buy Bigger, Better, and Faster in Florida with a Jumbo Loan, offering competitive rates, flexible programs, and loan amounts designed to fit the scale of Florida’s premier homes and communities.

Call me, Hayden Madison, today at 858-349-7538.

Let’s take your home goals to the next level.

Why Choose a Jumbo Loan in Florida?

Florida’s housing market moves fast, especially when it comes to luxury and waterfront properties. Sellers in hot spots like Miami, Tampa, Naples, and Orlando expect strong, reliable offers. Having jumbo financing ready gives you a competitive edge and the confidence to make your move quickly.

Unlike conventional loans, jumbo loans offer:

• Higher borrowing limits for Florida’s upscale price points

• Flexible debt-to-income ratios (up to 50% at Valor Lending Group)

• As little as 10% down on select properties

• Competitive rates for strong, well-qualified buyers

Buy Bigger, Better, and Faster in Florida with a Jumbo Loan means not having to compromise on your dream location, home size, or amenities.

How to Qualify for a Jumbo Loan in Florida

Qualifying for a jumbo loan is similar to a traditional mortgage but with greater emphasis on financial stability, income consistency, and credit strength. Here’s what you’ll typically need:

• A credit score of 700+ (some programs allow exceptions)

• Proof of steady income: W-2s, tax returns, or bank statements for self-employed borrowers

• Adequate cash reserves, often several months’ worth of mortgage payments

For instance, a business owner in Tampa might qualify using 12–24 months of bank statements instead of tax returns, while a professional in Palm Beach could be approved through a simple income and asset review. Jumbo loans are designed to be flexible enough for both entrepreneurs and salaried buyers.

Owner-Occupied vs. Investment Jumbo Loans

Primary Residences & Second Homes

Finance up to 90% loan-to-value (LTV) in Florida’s most desirable areas from Coral Gables and Naples to Sarasota and Boca Raton.

Investment Properties

Expect to put down 20% or more, ideal for high-demand rental or vacation properties in Miami Beach, Orlando, or the Gulf Coast.

Special Jumbo Loan Programs

Bank Statement Jumbo Loans

Perfect for self-employed buyers, freelancers, and entrepreneurs across Florida. Qualify using 12–24 months of bank statements for loan amounts up to $10MM+.

Interest-Only Jumbo Loans

Ideal for investors or buyers managing cash flow while growing wealth. Enjoy lower monthly payments during your early years of ownership.

VA Jumbo Loans

For eligible veterans and active-duty service members in Florida, up to 100% financing to $1.5MM and flexible terms for larger loan amounts.

The Florida Advantage with Valor Lending Group

I understand the Florida real estate market, the waterfront bidding wars in Miami, the new construction boom in Tampa, and the exclusive listings in Naples and Palm Beach. At Valor Lending Group, I tailor each jumbo loan to fit your goals, timeline, and property type, and we close fast!

Here’s what you can expect when working with me:

• Loan amounts up to $30MM+
• Up to 90% LTV with as little as 10% down
• DTI ratios up to 50% for qualified borrowers
• 30-year fixed and interest-only options
• Fast approvals and closings to keep you competitive in Florida’s luxury market

Buy Bigger, Better, and Faster in Florida with a Jumbo Loan isn’t just a tagline; it’s your opportunity to own more, move faster, and invest smarter in one of the most desirable real estate markets in the country.

Call me, Hayden Madison, at 858-349-7538, or email hmadison@valorlending.com

Let’s make your luxury lifestyle official.

VALOR LENDING GROUP OFFERS EVERY MORTGAGE LOAN IN THE BOOK!

At Valor Lending Group, I’m ready to help you achieve your investment goals.

Call me, Hayden Madison, directly at 858-349-7538, and turn your dreams into reality today.

Recently Funded | Valor Lending Group

$1,044,550 Loan amount | Private Money Bridge Loan | Purchase | 65% LTV | Murrieta, CA
$1,900,000 Loan amount | Full Doc Jumbo Loan | Cash Out Refi | 31% LTV | Mirage, CA
$1,430,000 Loan amount | 24 Month Bank Statement Loan | Purchase | 65% LTV | Phoenix, AZ
$2,625,000 Loan amount | Ground up Construction Loan | Purchase | 65% LTV | Malibu, CA
$1,905,000 Loan amount | Fix and Flip Loan | Purchase | 90/100 LTV | Palos Verde, CA
$2,645,000 Loan amount | Ground up Spec Construction Loan | Purchase | 65% LTV | Palm Springs, CA
$712,500 Loan amount | DSCR Loan | Cash Out Refi | 75%LTV | 70% LTV 
$4,013,750 Loan amount | Full Doc Jumbo Loan | Rate& Term Refi | 75% LTV | Newport Beach, CA
$592,500 Loan amount | DSCR Loan | Purchase | 75% LTV| Seattle, WA

And many more.

Every Project, Every Loan – Let’s Build Your Success Together!

Call me, Hayden Madison, today at 858-349-7538, or email me at hmadison@valorlending.com

Recap of Our Loan Products:

1. Private Money Loans (20% down / minimal documentation) typically, funds in 7-10 days
2. Stated Income Loans (Great for business owners and self-employed) No tax returns!
3. 100% financing is available (we can cross-collateralize other properties if there is enough equity)
4. Valor VA Home Loan 100% financing up to $2.5MM
5. Investor Cash Flow Loan – No tax returns or DTI calculation! Based on the subject property’s cash flow
6. Flipper & Rehab Loans (Flip a property with one of our many options)
7. 2nd Position Loans up to $5MM
8. Raw Land & Lot Loans
9. Ground-up Construction for spec homes, custom homes, and commercial ground-up.
10. Farms, Vineyards, Ranches, and Agricultural Properties (25-30% down)
11. 10% down, Jumbo’s up to $1.5MM
12. Manufactured Housing / Mobile Homes (20% down / 600+ credit score)
13. Acreage Properties
14. Commercial Loans up to $500MM
15. 3% & 5% down Conventional Loans– LPMI (Lender paid mortgage insurance)
16. Foreign Nationals Loans (no social security or residency required)

We Also Offer:

1. 10, 15, 20, 25, 30 years Fixed, Conventional Conforming Loans
2. High Balance Conforming, aka Super Conforming
3. Jumbo’s to $10 MM / 10% down Jumbo to $1.5MM
4. FHA, USDA
5. ARM’s
6. Reverse mortgages up to $1MM Value
7. Refinance including Cash Out

**Rates and terms are subject to change without notice