What counts as luxury lending

"Luxury" is partly subjective and partly mechanical. The mechanical piece: any loan above the 2026 FHFA high-cost conforming ceiling of $1,249,125is generally a jumbo loan, sold to a portfolio lender rather than Fannie or Freddie. The subjective piece: in most of the country, luxury starts somewhere above a $2M purchase price, with super-jumbo as a separate tier above roughly $3M. Local context matters a lot. A $1.5M home in Manhattan is entry-level; a $1.5M home in most secondary metros is a top-of-market trophy.

The lender pool narrows as the loan amount climbs. Many wholesale jumbo desks cap at $3M. Above that we work with specialty and portfolio lenders that go to $5M, $10M, $20M, and higher. Asset-qualifying and pledged-asset structures also matter more in luxury markets, where buyers often have substantial liquid net worth but tax-efficient (low-reported) income.

We work nationwide

The city pages above are the markets we see most often in luxury financing, but we originate loans across all 50 states. If your market is not listed, our team can still build the right scenario, place it with the right portfolio or specialty lender, and keep the lender names, pricing rationale, and trade-offs transparent throughout.