High Balance Mortgage Loans
For borrowers in higher-cost housing markets, high balance mortgages provide the flexibility to borrow more than standard conforming limits allow while still enjoying conventional underwriting and rates.
Scenario
In California, Sarah found a home priced just above the conforming loan limit. A high balance mortgage gave her the financing she needed without having to jump into a full jumbo loan — keeping her payment lower and the process smoother.
“Big Loans for High-Cost Markets.”
Borrower Checklist:
Home price above conforming loan limit
Credit score typically 680+
Larger down payment (5–10%+)
Documentation Checklist:
Pay stubs (last 30 days)
W-2s (last 2 years)
Tax returns (if self-employed)
Bank statements (for reserves)
Valid photo ID
Purchase contract & appraisal
34125 US Highway 19
Suites 110 and 200, Office 291
Palm Harbor, FL 34684
1.813466.4319
NMLS: 1693869 | 130562
Licensed by the Department of Financial Protection and Innovation (DFPI)