11481 Old St. Augustine Rd Suite 104 32258 Jacksonville, Florida
Phone: 888-456-9796
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5% Down Jumbo Loans

Million Dollar Home

95% Jumbo Home Loan Mortgage


Coast2Coast Mortgage is a leading provider of Jumbo mortgage loans. Our specialty is 5 percent down jumbo loans on purchase prices up to one million dollars. The main areas we service are Miami, Orlando, Jacksonville, West Palm Beach, Tampa, Fort Myers, Sarasota, Atlanta, Savannah, and all other areas in Florida and Georgia.


Our Jumbo loans are loans where the balance of the loan is greater than $424,100 the conventional loan limit in most areas. Our jumbo loan programs have very similar underwriting guidelines to a regular conventional mortgage loan. Our loan originators are very familiar with these programs and the differences in the programs. We can help you pick the right jumbo mortgage to fit your needs.


Jumbo Purchase, cash out, and rate and term mortgage refinance highlights:


  • Jumbo loans to 95% financing with No mortgage insurance on primary residences
  • Cash out or rate and term refinance to 95% CLTV with no mortgage insurance
  • Single loan to 95% financing or 2 loan piggy back loans to 95% CLTV. Piggyback loan has the option of 2 fixed rate loans or a fixed rate loan and a HELOC second mortgage
  • Second home or Vacation homes to 90% financing on loan amounts up to $1,500,000
  • 5% down jumbo mortgage loans start with credit scores as low as 680
  • If you have credit scores below 680 please contact us through our quick contact form as we may be able to help you with alternative options
  • Some programs require reserves, from zero reserves on loans under $774,100 to as many as 12 months reserves
  • Only owner occupied homes qualify for 5% down loans
  • Fixed rate and ARM loans are available
  • Debt ratios as high as 45% allowed


Please fill out our Request information Form for fastest response! We have agents available 7 days a week. Most quick contact forms receive a response within 15 minutes of submission

Request Information


Credit and Documentation Requirements:


  • No short sales, foreclosures, bankruptcies, or deed in lieu of foreclosure permitted within the last 5 years.
  • All 5% down programs require full documentation and a minimum 680 credit score for all borrowers on the loan
  • Other jumbo programs with higher down payments are available with lower credit scores, or with credit delinquency such as short sale, foreclosure, bankruptcies and deed in lieu of foreclosures down to 580 credit scores
  • If you are self employed and have difficult income to document, we do have bank statement programs with as little as 10% down for borrowers with credit scores of 720 or more and higher down payment options for lower credit scores or if you have had credit events
  • Fixed rate and ARM loans are available

Please fill out a Request information form for fastest response.