— JUMBO LOANS
Jumbo Loans
High-balance mortgage financing for luxury homes, condominiums, and resort properties in Hawaii and other markets where Pacific Home Loans is licensed.
— ABOUT JUMBO LOANS
Hawaii Jumbo Loans
In Hawaii’s higher-value real estate market, many properties exceed standard conforming loan limits. When loan amounts surpass those limits, jumbo financing may be required. Pacific Home Loans provides structured jumbo loan solutions throughout Maui, Oahu, Kauai, and the Big Island – including primary residences, second homes, and eligible investment properties.
Multi-State Availability
Pacific Home Loans provides jumbo financing solutions in multiple states, including Hawaii, California, Nevada, and other markets where we are licensed. While this page focuses on Hawaii-specific guidance, jumbo loan programs may be available in other states based on borrower profile, property type, and program eligibility.
What Is a Jumbo Loan?
A jumbo loan is a mortgage that exceeds the conforming loan limits established for conventional financing through Fannie Mae and Freddie Mac. Loan amounts above those limits require jumbo underwriting guidelines and enhanced qualification review.
— JUMBO LOANS
Jumbo Loan Options
in Hawaii
Primary Residence
- High-balance financing available
- Fixed and adjustable rate options
- Down payment structures based on credit and asset strength
Second Homes
- Jumbo financing available for qualified borrowers
- Enhanced reserve requirements may apply
Investment Properties
- Jumbo investment loan programs available
- Down payment requirements vary by program
VA Jumbo Loans
Eligible veterans may qualify for high-balance VA financing. Veterans with full entitlement may qualify for zero down, subject to qualification. Borrowers with partial entitlement may require a down payment.
Alternative Documentation Jumbo Loans
For borrowers with non-traditional income documentation, jumbo structures may be available under bank statement programs, 1099 income qualification, asset-based lending, and DSCR investment loans.
→ Alternative Documentation (Non-QM) Loan Programs
Portfolio Jumbo – Up to $30,000,000
For higher-balance transactions or complex property types. Loan amounts up to $30,000,000 may be available for qualified scenarios. Portfolio underwriting allows greater structural flexibility than traditional jumbo programs.
— JUMBO CONDO LOANS
Jumbo Condo &
Resort Considerations
→ Buying a Condo
→ PrimeResort™ Condo Financing
Fixed vs Adjustable Jumbo Options
→ Fixed Rate Mortgage
→ Adjustable Rate Mortgage
Why Jumbo Financing Is Common in Hawaii
Hawaii’s real estate market frequently exceeds conforming loan thresholds due to limited land inventory, luxury resort demand, high coastal property values, and strong tourism-driven markets.
