In today’s dynamic real estate market, traditional loan limits often fall short for luxury buyers, investors, and high-income clients. That’s why Scout Lending is proud to introduce a new Super Jumbo loan program, offering financing up to $5 million with 30-year fixed-rate terms for purchases, refinances, and cash-out transactions.

This powerful new product is designed to help you serve clients seeking higher loan amounts while delivering the reliability, service, and flexibility that only Scout Lending can provide. Whether you’re a real estate agent helping a luxury homebuyer or a borrower looking to leverage your equity, this program is built for you.

What Is a Super Jumbo Loan?

A Super Jumbo loan is a type of mortgage that exceeds the limits for conventional jumbo loans. While standard jumbo loans typically cap out around $726,200 to $1,089,300 (depending on the county), our Super Jumbo loan option provides qualified borrowers access to up to $5 million in financing, making it a strategic solution for high-value real estate transactions.

Key Features of Our Super Jumbo Loan

Scout Lending’s Super Jumbo loan product offers powerful features for borrowers seeking flexibility and competitive terms:

• Loan Amounts: Up to $5 million
• Loan Type: 30-year fixed-rate mortgage
• Transaction Types: Purchase, refinance, and cash-out refi
• Cash-Out Limits: Up to $500,000
• Property Types: Eligible for primary residences, second homes, and investment properties
• Flexible Qualification: Designed to accommodate high-income clients with complex income structures

Whether your client is buying a luxury home in Beverly Hills, refinancing a vacation property in Aspen, or unlocking equity from an investment property in Miami, this Super Jumbo program is designed to meet their needs.

Why Offer a Super Jumbo Loan?

The demand for high-value homes continues to grow, especially in major metro areas, resort destinations, and business hubs. However, securing financing above conventional limits can be a challenge, particularly for clients with unique financial profiles or sophisticated asset portfolios.

This is where a Super Jumbo loan gives you a competitive edge:

1. Attract High-Income Clients

These borrowers are often looking for expert solutions that align with their financial goals. Offering this loan gives you credibility and a product mix that stands out.

2. Close Larger Deals

By expanding your financing capabilities, you can assist buyers and investors in securing the properties they want without being constrained by conventional loan caps.

3. Offer Flexibility

With 30-year fixed rates and cash-out availability, this program is ideal for both long-term stability and liquidity-driven strategies.

Ideal Borrowers for Super Jumbo Loans

Our Super Jumbo product is tailored for clients with:

• High credit scores
• Significant income or asset reserves
• Investment portfolios and non-W2 income
• Plans to purchase or refinance properties in luxury markets
• The need to tap into home equity for business, renovations, or other personal goals

This loan is especially appealing to self-employed professionals, entrepreneurs, business owners, and high-net-worth individuals who require more nuanced financing options than the average borrower.

Use Cases: When a Super Jumbo Loan Makes Sense

Still wondering how this product can fit into your business model? Here are a few scenarios where this program shines:

• Luxury Home Purchase: Help a client buy a $6 million property with 20% down and competitive fixed rates.
• Cash-Out Equity: Allow a long-time homeowner to access up to $500,000 in home equity for business expansion or investment opportunities.
• Second Home Financing: Provide stable, long-term financing for a vacation home in a high-cost market.
• Investment Property Acquisition: Assist a seasoned investor in securing funding for a high-value rental property.

Partnering with Scout Lending: What You Can Expect

At Scout Lending, we do more than offer products, we partner with professionals and borrowers to deliver exceptional service and strategic insights.

When you work with us on a Super Jumbo transaction, you get:

• Fast, responsive support from experienced loan advisors
• Tailored guidance to match complex financial needs
• Transparent communication from the application through close
• Marketing collaboration to help agents position luxury listings with financing options

Our team understands the level of service and professionalism high-value clients expect, and we’re here to help you deliver it.

Ready to Serve Bigger Deals? Let’s Talk.

If you’re looking to grow your business, attract high-value clients, or simply offer more financing options, our Super Jumbo loan program is your next big move.

With up to $5 million in financing and broad eligibility across property types, Scout Lending is here to help you and your clients unlock bigger opportunities with clarity and confidence.

Contact Scout Lending today to learn more. Let’s build your next success story, one smart loan at a time.