One jumbo platform. Multiple ways to qualify.
High-income executives, business owners, retirees, physicians, and high-net-worth borrowers all have different financial profiles. We structure jumbo financing around your real situation, rather than forcing every file into one rigid documentation lane.
Which path fits your situation?
Lead with the borrower profile, not the loan-product label. Find the row that sounds most like you and we'll dig into the details together.
| If this sounds like you… | Likely jumbo strategy |
|---|---|
| Salaried executive, physician, or W-2 income | Traditional Jumbo (Full-Doc) |
| Self-employed with strong business or personal bank deposits | Bank Statement Jumbo |
| Self-employed with clean CPA-prepared books | Profit-and-Loss Jumbo |
| High assets but lower taxable income | Asset-Based Qualifying |
| Recently sold a business or prefer not to qualify on income | Qualify Using Liquid Assets |
| Physician, dentist, resident, or medical professional | Doctor Jumbo Program |
| Estate-class purchase above $3M | Super Jumbo |
Traditional Jumbo Qualifying
The full-documentation path. Cleanest pricing when the borrower's tax returns, paystubs, and W-2s tell a clear story.
- Traditional Jumbo (Full-Doc), for W-2 employees, executives, and salaried-plus-bonus structures.
- Doctor Jumbo Program, physicians, dentists, residents, with up to 100% financing and student-debt accommodations.
- Super Jumbo, estate-class properties above $3M with deeper underwriter review.
Flexible Jumbo Qualifying
For self-employed business owners, high-net-worth retirees, or anyone whose tax return doesn't tell the full financial story. These specialized strategies look at different parts of your financial profile.
- Bank Statement Jumbo, qualifying based on 12 or 24 months of personal or business bank deposits.
- Profit-and-Loss Jumbo, qualifying based on a CPA- or tax-preparer-prepared profit-and-loss statement.
- Asset-Based Qualifying, converting liquid assets into monthly qualifying income.
- Qualify Using Liquid Assets, qualifying purely on liquid assets that cover the loan and reserves, with no income calculation.
Real Arizona borrower profiles we work with regularly.
If you see yourself in one of these profiles, there's almost certainly a jumbo path that fits.
- Tech executives at Microsoft, Intel, Amazon Phoenix offices
- Healthcare providers, physicians, dentists, surgeons, anesthesiologists
- Successful real-estate investors expanding their personal residence
- Business owners with legitimate write-offs
- Recently liquid borrowers between business ventures
- High-net-worth retirees living on portfolio distributions
- Family-office beneficiaries with strategic income
- Estate-buyers in Paradise Valley, North Scottsdale, Sedona
- Out-of-state professionals relocating to Arizona
- Second-home buyers from California, Texas, Illinois
- 1031 reinvestors moving into a primary residence
- Anyone turned down by a traditional retail bank for jumbo
Typical program guidelines
Specific eligibility, credit-score expectations, down-payment ranges, reserve requirements, vary materially by program, loan amount, and leverage. We'll model the exact parameters for your situation on the call. If you want to see the broad ranges, here they are.
Typical guidelines by program (click to expand)
| If your situation looks like… | Strategy | Typical FICO floor | Typical down |
|---|---|---|---|
| W-2 executive, clean tax returns | Traditional Jumbo | 660+ | 10–20% |
| Self-employed, strong bank deposits | Bank Statement | 660+ | 15–25% |
| Self-employed, CPA books | Profit-and-Loss | 680+ | 15–25% |
| Strong assets, lower taxable income | Asset-Based Qualifying | 700+ | 15–25% |
| Recently liquid or between ventures | Qualify Using Liquid Assets | 700+ | 25–30% |
| Physician, dentist, resident | Doctor Program | 680+ | 0–10% |
| Above $3M loan amount | Super Jumbo | 720+ | 20–30% |
Indicative ranges only. Final eligibility depends on credit, leverage, occupancy, reserves, and property type. Pricing and overlays apply per file.
Let us match you to the right jumbo path.
Bring your purchase target, liquidity picture, and income structure. We'll tell you which strategy realistically fits, discreetly, and without rigid underwriting.