Jumbo Loans in New Jersey, Pennsylvania & Florida
Finance your luxury home with competitive jumbo rates. Ai Remco LLC specializes in high-value mortgages above conforming limits across the tri-state area and Florida.
Higher loan amounts
Finance luxury homes that exceed conforming limits.
Competitive rates
Access to our wholesale jumbo rates.
Flexible terms
A range of term options to fit your plan.
Expert guidance
Specialized jumbo loan expertise, start to finish.
What is a jumbo loan?
A jumbo loan exceeds the conforming limits set by the FHFA. For 2024 that limit is $766,550 in most areas, rising to $1,149,825 in high-cost areas such as parts of NJ.
Because they can't be purchased by Fannie Mae or Freddie Mac, jumbo loans carry more lender risk. As a broker, we shop multiple jumbo lenders to find competitive pricing — essential in luxury markets like Bergen County, the Philadelphia Main Line, and Florida's coast.
Stronger credentials
Jumbo loans generally require a higher credit score (700+), a DTI below 43%, and substantial cash reserves, with down payments often in the 10–20% range.
Limits by area
2024 conforming limits vary by county. High-cost NJ counties reach $1,149,825 — anything above your county's limit requires jumbo financing.
Requirements & eligible properties
Typical requirements
- Credit score 700+ (some programs allow 680)
- Down payment typically 10–20%
- DTI below 43%
- 6–12 months of cash reserves
- Full documentation of income and assets
Eligible property types
- Single-family homes
- Condominiums (with approval)
- Multi-family (2–4 units)
- Second homes and vacation properties
- Investment properties
Questions, answered
New Jersey counties where borrowers use this program
Ai Remco LLC is a licensed New Jersey mortgage broker serving borrowers throughout the state. These county pages explain how this program fits local property types, price ranges and municipalities.
- Mortgage broker in Warren County, NJ
Larger estates and horse properties in the county's northern townships can exceed conforming limits.
- Mortgage broker in Hunterdon County, NJ
Frequently needed in Tewksbury, Readington and the county's larger-acreage townships.
- Mortgage broker in Morris County, NJ
Common in Harding, Mendham, Chatham and Madison.
- Mortgage broker in Somerset County, NJ
Standard in the Somerset Hills and much of Bernards Township.
- Mortgage broker in Bergen County, NJ
The most common Bergen County program above conforming limits.
- Mortgage broker in Middlesex County, NJ
Needed in Cranbury, Plainsboro and higher-priced Metuchen and Edison pockets.
- Mortgage broker in Monmouth County, NJ
Standard across Monmouth's higher-priced river and shore towns.
See the full New Jersey mortgage broker hub for all 21 counties.
Ready to finance your luxury home?
Get a personalized jumbo estimate, or talk with a specialist serving NJ, PA, and FL.
Ai Remco LLC, NMLS #2560393. Licensed mortgage broker. This page is for general information only and is not a commitment to lend. All loan applications are subject to credit approval, property appraisal, income and employment verification, and underwriting. Rates, terms, and availability are subject to change without notice and vary by borrower. Equal Housing Opportunity. See our Licensing & Disclosures page.