Financing That Matches the Scale of Your Ambitions
For loan amounts above the conforming limit, Lumen Mortgage offers customized jumbo underwriting with competitive rates and flexible options — up to $3 million and beyond.
$806,501
Loan Starts At
10–20%
Min. Down Payment
680
Min. Credit Score
$3M+
Max Loan Amount
Overview
When Standard Financing Falls Short
Jumbo loans are mortgages that exceed the conforming loan limits set by Fannie Mae and Freddie Mac ($832,750 in most U.S. markets). Because they can't be sold to those agencies, jumbo loans are held by portfolio lenders or the secondary market at a premium — which means underwriting standards are higher, but flexibility is greater.
We work with high-net-worth buyers and discerning borrowers to structure jumbo loans for primary residences, second homes, and investment properties. Whether you're purchasing a luxury home in Portland's West Hills or a California coastal property, our experienced team delivers the discretion and tailored approach you expect.
Who This Is For
Key Features
What Makes This Program Work
Loans up to $3M+
We finance primary residences, second homes, and investment properties well above standard conforming limits.
Fixed & ARM Structures
Choose a 30-year fixed for certainty, or a 5/1, 7/1, or 10/1 ARM for a lower starting rate if your timeline matches.
Primary, Second & Investment
Jumbo financing is available for owner-occupied homes, vacation properties, and investment real estate.
Asset-Based Qualifying
Strong asset reserves can offset income documentation requirements — ideal for retired executives or business owners with complex taxes.
Interest-Only Options
Interest-only periods available on select ARM and fixed products, reducing initial payments and maximizing monthly cash flow.
Foreign National Eligible
We work with select lenders to provide jumbo financing for foreign nationals purchasing in Oregon or California.
Have questions about this loan?
Talk to an Expert — Free Consultation
Get a personalized rate quote with no impact to your credit score.
We Work Alongside Your Advisory Team
High-value transactions deserve a coordinated approach. We collaborate regularly with wealth managers, CPAs, tax advisors, and attorneys to ensure the financing piece integrates seamlessly with your client's broader financial picture.
A Coordinated Transaction for You
Jumbo transactions often involve more moving parts — estate planning, liquidity strategies, tax implications, and asset management decisions that extend well beyond the mortgage itself. When your advisors are part of the conversation, the process is faster, smarter, and far less stressful.
Wealth Managers, CPAs, Tax Advisors & Attorneys
We'd welcome a conversation
You know your client's full financial picture better than anyone. Reach out to us directly — before the purchase contract is signed — to walk through the financing scenario proactively and in complete confidence. We'll identify the optimal loan structure, confirm what documentation is needed, and make sure nothing surprises your client at the closing table.
503-966-9255 · info@lumenmortgage.com · NMLS #1498678
Requirements
General Qualifications
Ready to See If You Qualify?
Every borrower's situation is unique. Give us 15 minutes and we'll review your financial picture, identify every program you qualify for, and walk you through your options — at no cost and with no obligation.
Licensed in Oregon & California · NMLS #1498678
FAQ
Common Questions
What Our Clients Say
Five-Star Reviews from Real Borrowers
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Ready to Get Started?
Our loan officers will review your scenario, walk you through your options, and guide you from application to close — with full transparency at every step.