Explore jumbo loans in Michigan for high-balance home purchases or refinances. REIF Loans offers portfolio jumbo programs with flexible terms.
Buying a luxury home or property that exceeds conventional loan limits? A jumbo loan from REIF Loans helps Michigan borrowers finance higher-priced homes with competitive rates and flexible approval terms.
Our jumbo mortgage programs are designed for strong borrowers who need larger loan amounts, want to refinance a high-value property, or prefer a portfolio-based approach. Whether purchasing or refinancing, REIF Loans simplifies the process with expert guidance and transparent lending solutions.
A jumbo loan, also known as a high-balance mortgage, is used to finance homes that exceed the conforming loan limits set by Fannie Mae and Freddie Mac.
In Michigan, this typically means properties priced above $766,550 in most counties. These loans are funded by private lenders or bank portfolio programs and often include flexible underwriting for qualified borrowers.
Because jumbo loans are not government-backed, each lender sets its own standards. REIF Loans works with multiple lenders to help Michigan borrowers access the most competitive programs available.
The 2025 conforming limit for most Michigan counties is $766,550. Any mortgage above that amount may qualify as a jumbo loan.
Jumbo loans provide financial flexibility and convenience for Michigan homebuyers purchasing higher-priced homes or refinancing large mortgages.
Finance luxury homes and investment properties with a single loan.
Choose from fixed or adjustable-rate options.
Get pricing close to conventional rates with strong credit.
Many programs waive PMI even with less than 20% down.
Work with lenders that keep loans in-house for more personalized underwriting.
Some borrowers prefer custom solutions outside conventional lending rules. Bank portfolio jumbo loans offer unique flexibility since they’re held by the lender instead of being sold to investors.
These programs serve Michigan’s high-net-worth and self-employed borrowers seeking tailored financing.
Jumbo mortgage approvals rely on a full review of your credit, income, and assets. REIF Loans helps present your financial profile to multiple lenders for optimal terms.
We make the process simple with transparent communication and digital application tools.
Rates can be slightly higher than conventional loans, but top-tier borrowers often receive comparable pricing.
Yes. Many lenders offer jumbo programs for second homes and investment properties.
Usually not. Many jumbo loans do not require private mortgage insurance, even with less than 20% down.
Yes. Bank statement and alternative documentation options are available.
Yes. REIF Loans offers jumbo and high-balance programs across all Michigan counties.
If you’re ready to purchase or refinance a high-value property, REIF Loans makes it simple. Our jumbo specialists help you secure financing that matches your long-term financial goals.
REIF Loans currently offers mortgage and loan services in select licensed states. Information provided on this website, including references to Non-QM loans, commercial loans, and conventional loans, is for general educational and informational purposes only and does not constitute an offer to lend in jurisdictions where REIF Loans is not licensed. Loan availability, terms, and conditions may vary by state. Please contact us directly to confirm eligibility and licensing for your specific location.
