Government
VA Jumbo Loan in Miami, FL
Looking for the best VA Jumbo Loan in Miami, FL? Our local team specializes in helping Miami residents secure competitive financing. Whether you're buying in Brickell or Wynwood, we have the expertise to guide you.
Key Facts About VA Jumbo Loan
CMRE is an approved government lender for VA Jumbo Loan.
CMRE offers VOE-only and P&L for VA Jumbo Loan.
CMRE closes VA Jumbo Loan in 25-35 days.
CMRE government teams specialize in FHA, VA, USDA.
CMRE provides expert guidance for VA Jumbo Loan borrowers. NMLS #1556995.
Program Benefits
Low down payment options through VA Jumbo Loan.
Flexible credit requirements — FHA accepts 580+ FICO (500 with 10% down).
VOE-Only: qualify with employer verification only (CMRE specialty).
P&L: self-employed qualify via CPA-prepared profit & loss (CMRE specialty).
Seller concessions up to 6% to cover closing costs.
Gift funds accepted for 100% of down payment.
Manual underwriting available for complex scenarios.
CMRE closes government loans in 25-35 days.
Program Highlights
Max LTV
Varies
Min Credit Score
Varies
Max DTI
Varies
Loan Amount Range
Contact CMRE
Program Requirements
Income Documentation
- •Standard: W-2s and pay stubs.
- •VOE-Only: employer verification letter only (CMRE specialty).
- •P&L: CPA-prepared profit & loss for self-employed (CMRE specialty).
Asset Verification
- •Down payment: 3.5% FHA, 0% VA, 0% USDA.
- •Gift funds accepted for 100% of FHA down payment.
- •Seller concessions up to 6%.
Insurance & Title
- •Upfront MIP 1.75% for FHA (financed into loan).
- •Annual MIP 0.55% for FHA.
- •VA funding fee 1.25%-3.3%.
Property Requirements
- •FHA: 580+ (500 with 10% down).
- •VA: no official minimum (generally 580-620).
- •Shorter waiting periods after credit events than conventional.
VA Jumbo Loan in Miami: The Complete Guide
What Is VA Jumbo Loan?
VA Jumbo Loan is a government-backed mortgage program designed to make homeownership more accessible. CMRE is an approved government loan lender with dedicated underwriters who specialize in FHA, VA, and USDA programs. CMRE also offers specialty programs not available at most lenders: VOE-Only FHA (no pay stubs, no tax returns), P&L FHA for self-employed borrowers, and streamlined refinance options with minimal documentation. Contact CMRE for eligibility and current rates. NMLS #1556995.
Eligibility for VA Jumbo Loan
- •FHA: primary residence, HUD property standards, 580+ FICO.
- •VA: eligible military service, no down payment.
- •USDA: eligible rural area, income limits.
- •CMRE evaluates and recommends VA Jumbo Loan or alternatives.
CMRE Specialty Government Programs
- •VOE-Only FHA: employer verification only — no pay stubs or tax returns.
- •P&L FHA: CPA-prepared profit & loss for self-employed.
- •FHA Streamline: no appraisal, no income verification.
- •VA IRRRL: streamline refinance with minimal documentation.
Apply for VA Jumbo Loan with CMRE
- •Step 1: Eligibility check and rate estimate.
- •Step 2: Documentation (standard, VOE-only, or P&L).
- •Step 3: Pre-approval within 24 hours.
- •Step 4: Government appraisal and underwriting.
- •Step 5: Closing in 25-35 days.
VA Jumbo Loan Comparison: FHA vs VA vs USDA vs Conventional
- •FHA loans require 3.5% down with 580 FICO (10% with 500 FICO) plus upfront and annual mortgage insurance. VA loans require 0% down with no monthly mortgage insurance for eligible veterans. USDA loans require 0% down in eligible rural areas with income limits.
- •CMRE's VOE-Only FHA specialty program eliminates the need for pay stubs and tax returns — qualifying borrowers with only an employer verification letter. This is a CMRE-exclusive product not offered by most lenders.
- •CMRE's P&L FHA program allows self-employed borrowers to qualify using a CPA-prepared profit and loss statement instead of tax returns. This captures actual business cash flow rather than taxable income, often qualifying borrowers for higher loan amounts.
- •For refinancing, FHA Streamline requires no appraisal, no income verification, and no credit check. VA IRRRL offers similar streamlined refinancing for veterans. CMRE processes both with industry-leading speed.
Current Mortgage Rates
30-Year Fixed Rate
6%
as of 3/5/2026 · FRED
15-Year Fixed Rate
5.43%
as of 3/5/2026 · FRED
Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.
Get Your Rate →VA Jumbo Loan in Miami, FL
Miami's premier mortgage lender. Specialized in condo financing, foreign national loans, and jumbo mortgages. Custom Mortgage & Real Estate specializes in providing high-fidelity VA Jumbo Loan solutions tailored to the unique economic landscape of Miami and the surrounding Miami-Dade County.
Our FinTech-driven approach allows us to offer competitive rates and streamlined processing for homeowners and investors across the entireMiami metropolitan area.
Service Areas & Neighborhoods
Our Miami Presence
Local Knowledge. Global Rates.
600 Brickell Ave
Miami, FL 33131
Direct Line
877-976-5669Common Questions About VA Jumbo Loan in Miami
What are current VA Jumbo Loan rates in Miami, FL?
VA Jumbo Loan rates in Miami depend on loan amount, credit profile, and property type. CMRE publishes updated Miami rate ranges daily and provides locked quotes within 24 hours of application.
How long does VA Jumbo Loan closing take in Miami?
CMRE typically closes VA Jumbo Loan loans in Miami within 21-30 days from application. Pre-approval takes 24 hours, and our FL-licensed team coordinates title, escrow, and appraisal concurrently to save time.
What are FHA/VA loan limits in Miami-Dade County?
FHA and VA loan limits in Miami-Dade County are set annually by HUD and the VA. CMRE's Miami team can confirm your current county limit and help you maximize your purchasing power within FL guidelines.
Do I need to be a veteran for VA Jumbo Loan in Miami?
VA loans require veteran status or active military service. For non-veterans in Miami, CMRE offers FHA and USDA government-backed programs with similarly competitive rates and low down payment requirements.
Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Frequently Asked Questions
FHA: 580+ (500 with 10% down). VA: no official minimum. CMRE evaluates each case.
No. FHA/VA/USDA are available regardless of prior ownership. FHA requires owner-occupancy as primary residence.
FHA: $498,257-$1,209,750. VA: no limit with full entitlement. Contact CMRE for your county.
Yes. VOE-only and P&L specialty programs make government loans accessible to self-employed.
25-35 days with dedicated government lending teams. NMLS #1556995.
Yes. FHA Streamline and VA IRRRL offer simplified refinancing with minimal documentation.
FHA: 3.5%. VA: 0%. USDA: 0%. Gift funds and DPA accepted.
FHA: 1.75% upfront + 0.55% annual MIP. VA: funding fee 1.25%-3.3%. USDA: guarantee fee.
VA Jumbo Loan by Location
Get local rates, loan limits, and market data for VA Jumbo Loan in your area.
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View county-level market data, loan limits, and mortgage rates on our territory pages.
Browse All Territories →TESTIMONIALS
Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
