As of mid-2025, navigating jumbo loans is part of everyday life for brokers working in high-cost markets. The median U.S. home price hit $440,892 in May, and in cities like Seattle, Boston, and San Diego, the average home price is well above $1 million. Jumbo financing isn’t reserved for luxury buyers anymore. In many cases, it’s the only option on the table in the current market.
That’s why LendSure’s newly expanded Jumbo loan program is key right now. It gives brokers like you more ways to make deals work in a market where options feel limited.
Why Jumbo Loans Are Showing Up More Often
Tight inventory and rising prices have pulled more borrowers into jumbo territory, many of whom wouldn’t have needed it a few years ago. At the same time, traditional loan programs don’t always fit the way today’s buyers earn and manage money. You’re likely working with clients who are self-employed, juggling multiple properties, or looking to keep cash on hand instead of putting more into a down payment.
Navigating jumbo loans means figuring out how to serve those borrowers without adding friction or delays. LendSure’s approach gives brokers more flexibility, whether you’re working with an investor, a first-time luxury buyer, or someone who just doesn’t check all the usual boxes.
What Makes LendSure’s Jumbo Loan Program Different
LendSure’s Jumbo loan program is designed with flexibility and speed in mind, two things that are absolutely huge when navigating Jumbo loans in today’s market. The program now supports loan amounts up to $3.5 million, with a range of options based on loan size and LTV.
For example, borrowers can go up to:
- 90% LTV on loans up to $1 million
- 85% LTV on loans up to $2 million
- 80% LTV on loans up to $2.5 million
- 75% LTV on loans up to $3 million
- 70% LTV on loans up to $3.5 million
That same flexibility applies to refinances, including cash-out up to $1 million, depending on loan size and LTV. Whether your client is purchasing, refinancing, or pulling equity to reinvest, LendSure’s Jumbo options help brokers structure smarter, more competitive loans.
Documentation is just as flexible. LendSure allows borrowers to qualify using 12- or 24-month bank statements and asset depletion, giving brokers multiple paths to get deals done, especially when navigating Jumbo loans for clients with complex income or portfolios.
Speed matters too. LendSure delivers common-sense pre-qualifications within 24 hours, and full packages can close in as few as 10 days. Already have an appraisal? Great, we’ll use it. That level of responsiveness is key when navigating Jumbo loans in fast-paced markets.
LendSure Jumbo Loan FAQ
Can my client go interest-only with a LendSure Jumbo loan?
Yes. LendSure offers 10-year interest-only options on a 40-year term, which can help preserve monthly cash flow, especially useful for investors or self-employed borrowers with income that fluctuates seasonally.
Do you allow non-warrantable condos or condotels?
We do. LendSure works with non-warrantable condos and condotels, and our team is experienced in working with these types of transactions. We can help you structure the loan and get it across the finish line.
Can a Jumbo loan be used for a second home or vacation property?
Yes. LendSure allows Jumbo financing for second homes in addition to primary residences and investment properties. We’ll work with you to determine eligibility based on the use, location, and borrower profile.
How does LendSure handle unusual property types or complex real estate portfolios?
We take a common-sense approach. Whether it’s a condotel, a non-warrantable condo, or a 2-4 unit property, our underwriters review the full picture. You’re not limited by rigid overlays, and our team will work with you to find a workable solution.
Why do brokers choose LendSure?
Plenty of lenders offer Jumbo loans, but not all are built to support brokers the way LendSure is. Our focus is on speed, flexibility, and partnership. You’re not just getting a loan product, you’re getting a team that helps you win.
Want to learn more about our Jumbo loan program? Click here to see our program highlights.
The LendSure Way
It’s simple. We make loans that make sense. We’re not in-the-box lenders. Of course, there are numerical ratios and data to consider, but we know that behind every file, there’s an individual with a unique circumstance seeking a loan. We work hard to offer our common-sense take on lending to borrowers seeking funding for the home of their dreams, another addition to their investment property portfolio, or refinancing of a currently-owned property.
Are you ready to benefit from a commonsense approach to lending? Contact us today to learn more about non-QM loans and how partnering with LendSure Mortgage Corp. can help grow your bottom line.
