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Conventional Jumbo loans for Nevada luxury properties. Strong credit buyers financing above conforming limits get competitive rates and flexible terms—up to $5 million for primary residences, second homes, and investment properties.
Reviewed by CEO Vatche Saatdjian — 30+ years of mortgage experience — Expert on Conventional loans
Flexible jumbo financing for luxury homes, high-value properties, and investment real estate across Nevada's most desirable markets.
Purchase luxury Nevada homes above conforming loan limits. Loans from $766,551 up to $5 million for primary residences, second homes, and investment properties.
Jumbo rates are often comparable to conforming rates. Strong credit and significant assets can qualify you for excellent terms.
Jumbo loans never require PMI regardless of down payment amount. Save hundreds monthly compared to high-balance conforming loans.
Close your jumbo loan in as little as 21 days with our dedicated luxury property team.
Jumbo loans have stricter qualification standards than conforming mortgages due to higher loan amounts. Here's what Nevada luxury homebuyers typically need:
Our jumbo loan specialists deliver competitive rates and personalized service for Nevada luxury homebuyers.
Finance luxury real estate in Nevada's most exclusive communities and high-value markets from Lake Tahoe to Las Vegas golf course estates
Incline Village, Glenbrook, Crystal Bay luxury waterfront properties
The Ridges, Summit, TPC Las Vegas, Southern Highlands estates
Reverence, Sterling Ridge, Stonebridge luxury neighborhoods
MacDonald Highlands, Anthem Country Club, Seven Hills custom homes
Reflection Bay, South Shore, luxury waterfront living near Vegas
Montreux, ArrowCreek, Damonte Ranch executive properties
Here's exactly what happens from application to closing on your Nevada luxury property
Submit income docs, asset statements, and credit authorization. We'll review your financials and issue a jumbo pre-approval letter showing your maximum buying power in Nevada's luxury markets.
Pro tip: Jumbo pre-approvals require more documentation upfront than conventional loans, but this means fewer surprises during underwriting.
Once your offer is accepted, submit complete documentation including updated bank statements, retirement accounts, and any additional assets. We'll order the appraisal (typically $600-$1,200 for luxury properties).
Nevada note: Lake Tahoe and high-value Las Vegas properties may require two appraisals if loan exceeds $1.5M.
Processor verifies all documents, employment, and asset liquidity. Underwriter reviews your complete financial profile including DTI ratio, credit history, reserves, and property appraisal.
Expect requests for additional documentation during this phase - this is normal for jumbo loans.
Licensed appraiser evaluates the property and confirms market value supports loan amount. Title company searches property records for liens, easements, or ownership issues.
Nevada luxury properties: Appraisals take longer in custom/unique homes due to fewer comparable sales.
Underwriter issues final approval. Lender verifies employment 24-48 hours before closing and confirms assets haven't changed. You'll receive Closing Disclosure 3 business days before closing.
DO NOT make large purchases, switch jobs, or move money between accounts during this phase!
Sign loan documents at title company. Bring government ID and cashier's check or wire confirmation for down payment + closing costs. Nevada closings typically take 1-2 hours.
Keys are yours once title company records the deed with Nevada county recorder (same day or next business day).
From accepted offer to closing (with complete documentation and responsive borrower)
Jumbo loans require more extensive documentation than conventional loans. Gather these items before applying to speed approval.
Nevada Self-Employed: Casino workers, gig economy, and small business owners — we understand Nevada's unique employment landscape.
Reserve Requirement: Jumbo loans require 6-12 months PITI in liquid assets after closing.
Gather your documents and apply today. Our jumbo loan specialists will guide you through every step.
Real-world examples of how jumbo loans work for Nevada luxury homebuyers in different situations
Outcome: Approved with 6.25% rate. Stock options counted with 2-year average. No PMI. Closed in 23 days.
Outcome: Approved with 6.5% rate. Required 2 years tax returns + CPA letter. DTI at 38%. Closed in 28 days.
Outcome: Approved with 6.875% rate. Rental income counted with 2-year Schedule E history. Required 9-month reserves. Closed in 25 days.
Outcome: Approved with 6.375% rate. Pension/Social Security counted with award letters. Required 10-month reserves for second home. Closed in 26 days.
Outcome: Approved with 6.625% rate. Required 2 years personal + business tax returns + YTD P&L. DTI at 41%. Closed in 29 days.
Outcome: Approved with 6.375% rate. K-1 income counted with 2-year history. Partnership agreement reviewed. Closed in 27 days.
Every jumbo loan is unique. Our Nevada specialists will evaluate your specific situation and recommend the best path forward.
Get answers to common questions about jumbo loans in Nevada
Our jumbo loan specialists are ready to answer your questions
Nevada's trusted conventional mortgage lender serving Las Vegas, Henderson, Reno and all of Nevada with competitive rates and expert guidance.
3% down, competitive rates, flexible terms
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Valley West Mortgage - NMLS #65506
Nevada Mortgage Lender License
Licensed to conduct business in Nevada
NMLS Consumer Access: www.nmlsconsumeraccess.org
We are an Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. This company does not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, or handicap.
This is not a commitment to lend. All loans subject to credit approval. Rates, terms, and conditions are subject to change without notice. Not all applicants will qualify. Additional restrictions may apply. Property insurance required. Flood insurance may be required. This website is for informational purposes only and does not constitute financial advice. Consult with a licensed loan officer for personalized guidance.