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
Review available jumbo programs and applicable costs.
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 loan limits published each year by the Federal Housing Finance Agency (FHFA). For 2026 the 1-unit baseline limit is $832,750 in most counties, rising to a ceiling of $1,249,125 in high-cost areas. Some counties are assigned a higher limit than the baseline, so the exact threshold depends on where the property is located.
Because they can't be purchased by Fannie Mae or Freddie Mac, jumbo loans carry more lender risk. As a broker, we work with a wholesale lender to review available jumbo programs — essential in luxury markets like Bergen County, the Philadelphia Main Line, and Florida's coast.
Stronger credentials
Jumbo loans generally require a stronger credit profile, a lower debt-to-income ratio and substantial cash reserves, with a larger down payment than a conforming loan. Each jumbo investor sets its own guidelines.
Limits by area
Conforming limits are set county by county and change every year. For 2026 the baseline 1-unit limit is $832,750 and the high-cost ceiling is $1,249,125. Anything above your county's limit requires jumbo financing. Check your county on the FHFA limit list.
Requirements & eligible properties
Typical requirements
- A strong credit profile, with the minimum set by the jumbo investor
- A larger down payment than a conforming loan
- A lower debt-to-income ratio than agency guidelines allow
- Several months of cash reserves after closing
- 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.
- Warren County, NJ
Larger estates and horse properties in the county's northern townships can exceed conforming limits.
- Hunterdon County, NJ
Frequently needed in Tewksbury, Readington and the county's larger-acreage townships.
- Morris County, NJ
Frequently required in Harding, Mendham, Chester, Chatham and Mountain Lakes.
- Somerset County, NJ
Standard in the Somerset Hills and much of Bernards Township.
- Essex County, NJ
Required across Millburn, Short Hills, Livingston and Essex Fells price points.
- Union County, NJ
Required across Summit, Westfield, New Providence and Mountainside price points.
- Bergen County, NJ
The most common Bergen County program above conforming limits.
- Middlesex County, NJ
For higher-priced purchases in East Brunswick, Metuchen and the Princeton-adjacent edge.
- Monmouth County, NJ
Required across Rumson, Deal, Colts Neck, Spring Lake and much of the coast.
- Ocean County, NJ
Common on Long Beach Island and the higher-priced coastal towns.
- Hudson County, NJ
Common on Hoboken and Jersey City waterfront purchases above conforming limits.
- Passaic County, NJ
Used at the higher end of the Wayne and North Haledon markets.
- Mercer County, NJ
Standard in Princeton, West Windsor and Hopewell.
- Burlington County, NJ
Needed in Moorestown, Medford and Tabernacle's larger-acreage properties.
- Gloucester County, NJ
Occasionally needed on Mullica Hill and Harrison Township estate properties.
- Atlantic County, NJ
Needed for higher-priced Margate, Longport and bayfront properties.
- Cape May County, NJ
Standard in Avalon, Stone Harbor and oceanfront Ocean City.
Every county we serve is on our New Jersey page.
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.