Jumbo Loans

Jumbo Loans

Find the loan program that fits your goals and take the next step toward financial freedom!

Not every home fits into a “standard” mortgage. When you’re buying or refinancing a higher-value property in the Upstate or anywhere in South Carolina, a Jumbo Loan gives you the financing power you need.

At OpenKey Mortgage Advisors, we specialize in Jumbo Loans so you don’t have to settle for a smaller house or stretch your budget with a conventional loan that doesn’t quite work.

What Is a Jumbo Loan?

A Jumbo Loan (also called a jumbo mortgage) is simply a home loan that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. In 2026, that limit is $806,500 in most of South Carolina. Any loan amount above that is considered “jumbo.”

These loans let you finance luxury homes, move-up properties, or investment homes that cost more than a standard mortgage will cover.

Why Homeowners Choose a Jumbo Loan

• Finance homes priced above $806,500 without needing two separate loans
• Purchase or refinance luxury and higher-end properties in Greenville, Greer, Simpsonville, and surrounding areas
• Access flexible terms and competitive rates even on larger loan amounts
• Keep more cash on hand instead of making a massive down payment
• Get the same personalized service you expect from an independent brokerage

Jumbo Loan Options We Offer

• Fixed-Rate Jumbo Mortgages – Stable monthly payments with rates locked for the life of the loan
• Adjustable-Rate Jumbo Loans (ARM) – Lower initial rate if you plan to sell or refinance within a few years
• Jumbo Cash-Out Refinance – Access equity from your high-value home for renovations, debt consolidation, or other goals
• Interest-Only Jumbo Loans – Lower monthly payments during the first few years (available on select programs)

Who Typically Qualifies for a Jumbo Loan?

Jumbo loans have slightly stricter requirements than conventional loans, but they’re very achievable with the right guidance. Most clients we help meet these guidelines:

• Strong credit score (typically 700+)
• Solid debt-to-income ratio
• Proven income and employment history
• Larger down payment (usually 10–20%, though we have options with as little as 5% on some programs)
• Significant cash reserves

We work with multiple wholesale lenders who specialize in jumbo financing, so even if one lender says “no,” we often find another that says “yes.”

Why Choose OpenKey Mortgage Advisors for Your Jumbo Loan?

• Independent brokerage – we’re not limited to one bank’s jumbo products
• Local expertise in the Greenville and Upstate South Carolina luxury market
• Fast pre-approvals and clear communication (no runaround)
• Competitive jumbo rates that most big banks don’t advertise
• Dedicated support from application all the way to closing

Ready to Explore Your Jumbo Loan Options?

Whether you’ve found your dream home or you’re thinking about refinancing your current high-value property, we’ll run the numbers and show you exactly what’s possible — with no pressure and no obligation.

Let’s make your next move the right one.

Click the button below or call us directly at 864-593-9689 to schedule a quick Jumbo Loan consultation. We’ll review your goals, run real scenarios, and tell you honestly whether a jumbo mortgage is the smartest option for you.