Jumbo Loans Florida | Luxury Home Financing | Ronald Cepeda
Pioneer Mortgage Funding · Jumbo Loans

Financing Beyond Limits for Florida's Finest Homes.

When the home you want exceeds conventional loan limits, you need a broker who knows the jumbo landscape — competitive terms, smart structures, white-glove execution.

✓ Above conventional limits✓ Competitive rates✓ Primary & second homes
Discuss My Purchase

Takes 60 seconds · No credit pull · No obligation

Why This Program

Built for exactly your situation

1

Beyond County Limits

Financing for purchase prices conventional lending can't touch — into the multi-millions for Florida's premium markets.

2

Sharp Terms for Strong Files

Excellent credit and solid assets earn genuinely competitive jumbo pricing — often closer to conventional than you'd expect.

3

Flexible Structures

Interest-only options, ARM structures, and asset-based qualifying for high-net-worth borrowers.

4

Second Homes & Condos

Waterfront estates, golf communities, luxury condos — including buildings other lenders won't approve.

Client Scenario

A $1.85M home on stock-heavy income

The Rosens found their forever home in Coral Gables at $1.85 million — but most of their income arrived as RSUs and annual bonus, which their bank refused to count fully. We placed the file with a jumbo lender that understands equity compensation, documented the vesting history, and structured the loan with 15% down. Competitive jumbo pricing, no drama.

$1.85M
Purchase Price
15%
Down Payment
30
Days to Close

Illustrative scenario based on real client situations; names and details changed for privacy. Individual results vary. All loans subject to approval.

The Process

Three steps to the closing table

1

Private Consultation

A discreet conversation about the property, your finances, and the smartest way to structure.

2

Tailored Lender Match

Jumbo pricing varies wildly between lenders. We shop your profile to the sharpest one.

3

White-Glove Closing

Coordinated with your agent, attorney, and financial advisors — smooth to the closing table.

Client Reviews

100+ five-star Google reviews

★★★★★

"I've been working with Ronald for over 10 years — no better lender in the state of Florida!"

— Henley Johnson
★★★★★

"Ronald was such a pleasure to work with — friendly, professional, and always quick to respond."

— Dezurey Garcia
Read all reviews on Google →
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Discuss My Purchase

Ronald Cepeda

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Common Questions

Jumbo Loans FAQ

What counts as a jumbo loan in Florida?

Any loan above the conforming limit for your county. Most Florida counties follow the national baseline, which luxury and waterfront purchases routinely exceed.

Are jumbo rates higher?

Not necessarily — for strong-credit borrowers, jumbo pricing is often competitive with conventional, and sometimes better.

What down payment do I need?

Programs start around 10–20% down depending on loan size, credit, and reserves. Larger loans typically want more skin in the game.

Can I do a jumbo loan on a condo?

Yes — including new construction and non-warrantable buildings, one of our core Florida specialties.