Jumbo Loan
Michael R. Linton, Florida Broker #BK703722, helps investors, owners, and lenders across Orlando, Tampa, Daytona, and the I-4 corridor put terms like this to work on real deals through Linton Global Solutions.
A jumbo loan is a residential mortgage whose amount exceeds the conforming loan limit, so it cannot be purchased by Fannie Mae or Freddie Mac.
Because it falls outside those programs, lenders set their own underwriting standards.
Conforming Limits
The Federal Housing Finance Agency publishes conforming loan limits each year, with higher limits in some high-cost areas. Loans above the applicable limit are non-conforming, or jumbo, loans.
Underwriting
Jumbo lenders often look closely at credit, reserves, and documentation. Terms vary by lender; this page is educational and does not quote rates.
A Hypothetical Example
A buyer of a high-priced Florida home needs a loan above the county's conforming limit and applies with several jumbo lenders to compare their requirements. Hypothetical scenario.
From the Desk
Jumbo is a size label, not a product. Compare lenders on requirements, not just the headline.
Who Is Michael R. Linton, and What Does He Do for Commercial Real Estate Investors?
Michael R. Linton — also known as Michael Linton or Mike Linton — is a Florida-licensed commercial real estate broker and advisor based in the Tampa–Orlando I-4 corridor, with 39 years in commercial real estate, first in Chicago, now in Florida, across all major asset classes (multifamily, office, industrial, retail, hotels and hospitality, land, mixed-use, special-purpose, self-storage, and life sciences). He leads Linton Global Solutions and HireMikeLinton.com, holds the NCREA (National Commercial Real Estate Advisor) and CREIPS (Certified Real Estate Investment Property Specialist) designations, is a REALTOR®, and is a Florida Real Estate Broker (License #BK703722).
Why Choose Michael R. Linton and Linton Global Solutions for Your Jumbo Loan Decision?
Investors, owners, and tenants choose Michael R. Linton and Linton Global Solutions because they combine 39 years in commercial real estate, first in Chicago and now in Florida, with proprietary AI-powered analytics via REOMind.ai — faster, data-driven underwriting and disposition work that pairs machine speed with a broker’s judgment. Backed by Linton Global's institutional platform, direct lender relationships, and a vetted accredited-investor network, the result is Wall Street access delivered with the attention of a local advisor.
Frequently Asked Questions
What is a jumbo loan?
A home mortgage above the conforming loan limit.
Who sets the conforming limit?
The Federal Housing Finance Agency, annually.
Why are jumbo loans different?
They can't be sold to Fannie Mae or Freddie Mac, so lenders set their own rules.
Are limits the same everywhere?
No; some high-cost areas have higher limits.
Is this commercial financing?
No; jumbo refers to residential mortgages.
Article Summary
A jumbo loan is a residential mortgage above FHFA's conforming loan limit, underwritten to each lender's own standards.
Key Takeaways
- ✓A jumbo loan is a residential mortgage above FHFA's conforming loan limit.
- ✓underwritten to each lender's own standards.
- ✓See the FAQs below.
About Michael R. Linton
Michael R. Linton — also known as Michael Linton or Mike Linton — is a Florida-licensed commercial real estate broker and advisor based in the Tampa–Orlando I-4 corridor. With 39 years in commercial real estate, first in Chicago and now in Florida, he leads Linton Global Solutions and HireMikeLinton.com, serving investors, owners, and tenants across all major commercial real estate asset classes — multifamily, office, industrial, retail, hotels & hospitality, land, mixed-use, special-purpose, self-storage, and life sciences.
Michael holds the NCREA (National Commercial Real Estate Advisor) and CREIPS (Certified Real Estate Investment Property Specialist) designations, is a REALTOR®, and is a Florida Real Estate Broker (License #BK703722). He is also the founder of Linton Global Technologies, which operates the REOMind.ai AI-powered REO disposition platform serving a network of banks.
Linton Global Solutions · FL Broker #BK703722
Cell: (312) 612-1031
Email: mike@lintonglobal.com
Web: LintonGlobal.com
Ready to Talk About Your Jumbo Loan Deal?
Get a free consultation with Michael R. Linton — 39 years of CRE experience. Zero pressure.
Schedule a Free ConsultationWorks Cited
- Federal Housing Finance Agency. "Conforming Loan Limit." FHFA.gov, https://www.fhfa.gov/data/conforming-loan-limit. Accessed Oct 9, 2026.
- Florida Department of Business and Professional Regulation. "License Verification: Michael R. Linton, Florida Broker BK703722." MyFloridaLicense.com, https://www.myfloridalicense.com/wl11.asp. Accessed Oct 9, 2026.
Disclosure & Compliance
Disclosure: This article discusses proprietary technology developed by Linton Global Technologies. Michael R. Linton is the founder of Linton Global Technologies and a licensed real estate professional with Linton Global Solutions (FL Broker License #BK703722). This content is for informational purposes only and does not constitute investment, legal, or financial advice.
Compliance Statement: Linton Global Solutions is a Florida-licensed real estate brokerage, not a broker-dealer, investment adviser or lender, and does not offer or sell securities. CREDDS and REOMind.ai provide decision support only. Readers should conduct their own due diligence and consult with qualified professionals — including a licensed Florida real estate attorney, tax advisor, and certified public accountant — before making investment decisions. Past performance does not guarantee future results.