Jumbo Loans in NC & SC
Jumbo loans finance homes in North Carolina and South Carolina that exceed the 2026 conforming loan limit of $806,500. From Charleston waterfront to Charlotte luxury homes, we offer competitive jumbo rates up to $5M+.
What Is a Jumbo Loan?
A jumbo mortgage is any loan above the Fannie Mae/Freddie Mac conforming limit. Because they’re non-conforming, jumbo guidelines are set by each lender — credit, reserves, and down payment standards are typically stricter.
Jumbo Loan HighlightsLoan amounts $806,501 to $5M+
Fixed 15/30-year and 5/6, 7/6, 10/6 ARM options
Down payments from 10% (with MI) or 20%+ (no MI)
Interest-only options on ARMs
Primary, 2nd home, and investment
Cash-out refinance up to $1M+
Jumbo Loan Requirements700+ credit score typical (680 on some programs)
43% DTI or lower
6–12 months reserves
Two appraisals on loans over $2M
Full income documentation (or Non-QM jumbo available)
NC & SC Luxury Markets We Serve
Charleston SC (Daniel Island, Sullivan’s Island, Kiawah, Isle of Palms), Mount Pleasant SC, Hilton Head, Myrtle Beach, Greenville SC, Columbia SC, Charlotte NC (Myers Park, SouthPark), Raleigh NC, Chapel Hill, Asheville NC, Wilmington NC (Landfall, Figure Eight).
Ready to Get Pre-Approved?
Call (843) 478-5223 or start your jumbo pre-approval online. We’ll match you with the best jumbo investor for your scenario.