Jumbo Loans in Florida: Smart Financing for High-Income Borrowers

Why savvy buyers with complex income turn to jumbo mortgages — and how to make them work for you.

When your real estate goals exceed the conforming loan limit, traditional financing falls short — and that’s where jumbo loans come in.

At Clear2Close Lending, we specialize in helping high-net-worth individuals across Florida structure jumbo loans around unique income, investment strategies, and real estate portfolios. Whether you’re self-employed, asset-rich, or navigating layered tax returns, here’s what you need to know.

1. Jumbo Loans Aren’t Just “Bigger Loans”

Jumbo mortgages are loans that exceed the conforming loan limit of $806,500 for a 1-unit property in most of Florida.

But the underwriting goes far beyond loan size.

• Custom income analysis

• Tax-aware underwriting, including depreciation strategies

• Access to interest-only and portfolio jumbo products

• Consideration of liquidity, reserves, and asset classes — not just W-2s

In short: If your financial picture isn’t one-size-fits-all, your mortgage shouldn’t be either.

2. Income Isn’t Just About W-2s

High-income borrowers often have a mix of income streams — business ownership, K-1s, stock distributions, or investment income.

We work with:

• CPA-verified tax documents

• Multiple-year average returns

• Asset depletion strategies

Even if your income is non-traditional, we help lenders see the full story.

3. Interest-Only Options for Wealth Strategy

For clients focused on cash flow, liquidity, or tax efficiency, interest-only jumbo loans offer powerful flexibility:

• Maintain lower monthly payments

• Free up cash for other investments

• Potential tax benefits when structured correctly

These are especially useful for high-asset, low-income-reporting profiles or those waiting on liquidity events.

4. Tax-Aware Lending

We understand that many high-net-worth clients optimize taxable income, which can confuse traditional underwriters.

That’s why we:

• Coordinate with your CPA or wealth advisor

• Use tax strategies like gross-up for non-taxable income and depreciation add-backs to reflect true earning power

• Navigate multi-entity ownership, business write-offs, and investment structures

Depreciation may lower your tax bill, but it doesn’t change your ability to qualify. We help lenders see the full story — not just the line items.

5. The Clear2Close Jumbo Advantage

We work with specialized lenders who understand complex borrowers — not just credit scores and bank statements. Our jumbo process is:

• Efficient, discreet, and concierge-level

• Backed by multiple lending channels (including private portfolio lenders)

• Designed around your financial story, not someone else’s form

Final Word: Your Mortgage Should Be as Sophisticated as You Are

Jumbo loans don’t have to be a hassle — not when you’ve got a lender who understands layered income, strategic tax planning, and Florida’s luxury markets.

Whether you're buying a waterfront estate or refinancing to restructure your assets, we're here to help you make the smart move.

Smart lending. Tailored strategy. Built around you.