FHA Loans
Financing for high‑value homes above conforming limits—competitive rates, expert jumbo guidance.
High‑Balance Mortgages Tailored to You
Jumbo loans—non‑conforming conventional mortgages—let you borrow above the 2025 conforming limit of $766,550 (higher in designated high‑cost areas). Because these loans can’t be sold to Fannie Mae or Freddie Mac, lenders seek stronger credit, ample reserves, and lower debt‑to‑income ratios. We match you with jumbo investors offering fixed or adjustable rates up to $3 million, down payments from 10 %, and interest‑only or 40‑year terms to manage cash flow. Our team handles the extra appraisal reviews, asset verification, and portfolio underwriting so you close on your luxury primary home, second residence, or investment property—often in 20 business days.
Conventional financing suits first‑time buyers, growing families, second‑home seekers, and investors alike. Our team walks you through pre‑approval, paperwork, appraisal, and closing, negotiating with lenders so you lock in a competitive rate and close on time.
Key Reasons Borrowers Choose Jumbo Financing
Jumbo mortgages unlock upscale real estate while preserving liquidity. Enjoy higher loan amounts, flexible amortization schedules, and portfolio‑lender perks that conforming products can’t match—all under the guidance of seasoned jumbo specialists.
- Borrow up to $3 million (and more case‑by‑case) for primary, second, or investment homes.
- Down payments from 10 % with credit scores 700+; no monthly mortgage insurance required.
- Choose fixed, ARM, interest‑only, or 40‑year terms to fine‑tune payment and cash flow.
- Dedicated jumbo underwriting team clears complex assets and multiple appraisals in 20 days.
Our Concierge Jumbo Loan Process
From first inquiry to funded keys, The O’Kavage Group delivers white‑glove jumbo guidance. We begin with a free strategy call to map purchase goals, county limits, and cash reserves. A soft credit pull and asset snapshot let our ex‑underwriter originators issue a rock‑solid pre‑approval in hours—strengthening your offer on luxury property.
We then shop a curated panel of portfolio banks, credit unions, and specialty lenders, comparing rates, reserve rules, and treatment of self‑employed or RSU income. Once you choose a term, documents flow through our secure portal and the jumbo appraisal is ordered day one to beat longer review windows.
Your processor sends status updates at every milestone: appraisal in, conditions cleared, closing scheduled. Need speed? Desk reviews and rapid rescores can trim the timeline to 12–15 business days. Prefer certainty? We can lock 120 days and float down if rates drop.
Post‑closing, our concierge team performs annual check‑ups and alerts you when equity growth, market moves, or rising agency limits create refinance savings—ensuring your financing evolves with your life and portfolio.
Other Loan Types
How It Works
Getting you from application to closing
Our straightforward process makes getting approved for your mortgage simple and stress-free.
Step 1
Initial Consultation
We'll discuss your goals, review your finances, and explore loan options.
Step 2
Document Collection
We'll help you gather necessary paperwork and submit to our lender network.
Step 3
Evaluation and Approval
Your application gets reviewed and we keep you updated throughout the process.
Step 4
Disbursement Process
We coordinate with all parties to ensure a smooth closing on your new home.