Las Vegas Jumbo Loans for Homes Above Conforming Limits
Financing a high-value property or luxury home in Las Vegas? A jumbo loan, also known as a non-conforming loan or high-balance mortgage, may be the solution. At The Maltese Group, we specialize in helping buyers secure jumbo financing with competitive terms, local expertise, and exceptional service. Whether you're upgrading to a luxury property, relocating for work, or investing in multi-million dollar real estate, we simplify the process.
What Is a Jumbo Loan?
A jumbo loan is a type of mortgage that exceeds the conforming loan limits set by the Federal Housing Finance Agency (FHFA). In 2024, that limit for Clark County, NV is $726,200 for a single-family home. Any loan above that is classified as non-conforming and is not eligible for purchase by Fannie Mae or Freddie Mac.
Jumbo loans are often used for financing homes in high-cost areas like Summerlin, The Lakes, and Henderson, and may apply to primary residences, second homes, or investment properties.
Who Should Consider a Jumbo Loan?
A jumbo loan may be right for:
Buyers purchasing homes above $726,200
Borrowers with strong credit and stable income
Investors financing larger residential properties
Professionals relocating to higher-priced areas
Applicants purchasing second homes or vacation properties Homebuyers seeking properties that exceed conforming loan limits
The Maltese Group can help you evaluate your financing options and determine if a jumbo loan is the best choice for your goals and property type.
Jumbo Loan Requirements
Jumbo mortgages are manually underwritten and subject to stricter criteria than conforming loans. Common requirements include:
Credit Score: Typically 700 or higher
Debt-to-Income (DTI) Ratio: Ideally under 43%
Down Payment: Minimum of 10–20% depending on the loan profile
Cash Reserves: Six to twelve months of housing expenses in reserve
Loan-to-Value (LTV): Generally capped at 80–85%
Documentation: Full income, asset, and employment verification
Appraisal: One or two appraisals may be required, depending on loan size and lender policies
We work closely with borrowers to ensure all documentation is complete and submitted accurately, reducing delays and increasing approval confidence.
Jumbo vs. Conforming Loans: Key Differences
Feature
Jumbo Loan
Conforming Loan (Regular Mortgage)
Loan Limit
Above $726,200 (Clark County, NV)
Up to $726,200
Underwriting
Manual, stricter
Automated, standardized
PMI Requirement
Not typically required
Required under 20% down
Down Payment
10–20%
3–5% or more
Rates
Slightly higher
Typically lower
Backed By
Private lenders
Fannie Mae / Freddie Mac
Jumbo Loan Interest Rates & Terms
While jumbo loans can carry slightly higher interest rates than conventional loans, many qualified applicants still enjoy competitive terms. At The Maltese Group, we offer:
We’ll compare available options and help you secure the right jumbo loan based on your budget and long-term goals.
The Jumbo Loan Process with The Maltese Group
We guide borrowers through the entire jumbo mortgage process:
Pre-Qualification – Determine your eligibility and set a homebuying budget
Application – Submit documentation and begin underwriting
Appraisal – Order and coordinate one or more appraisals as needed
Underwriting Review – Assess credit, income, reserves, and property details
Closing – Finalize the paperwork and fund your loan
Our local Las Vegas mortgage team stays in close communication from start to finish to make your experience efficient and transparent.
Why Choose The Maltese Group?
Deep experience with jumbo loans and non-conforming financing
Local knowledge of high-value real estate markets in Las Vegas
Access to lenders that offer jumbo loans not available through most banks
Personalized support tailored to your financial picture
Timely closings and responsive communication every step of the way
We’ve assisted qualified buyers throughout Las Vegas ZIP codes like 89135 and 89052. Let our experience work for you.
FAQs About Jumbo Loans in Las Vegas
What is the jumbo loan limit in Las Vegas for 2024?
The conforming loan limit is $726,200 for a single-family home in Clark County. Anything above that is considered a jumbo loan.
Do jumbo loans require private mortgage insurance (PMI)?
Not typically. Most lenders require 20% down, which removes the need for PMI.
Can I use gift funds for a jumbo loan down payment?
Yes, many lenders allow gift funds with proper documentation. Guidelines vary.
Are interest-only jumbo loans an option?
Yes, interest-only products are available for qualified borrowers with strong credit and reserves.
Can jumbo loans be used for investment properties?
Yes. Many real estate investors use jumbo financing for rental or vacation properties.
How long does the jumbo loan process take?
Generally 30–45 days depending on appraisal turn times and document verification.
What Our Customers Say About Us
We care what our customers think of us and so should you. We are partners in your business and your success is ours.
Rating
5.0
62
reviews
Matt was truly a dream work with. When we thought it would be impossible in this market, Matt made it possible for us to purchase our dream home. He was on top of every aspect of the transaction and never failed to keep us moving forward in a positive dir
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Matt was truly a dream work with. When we thought it would be impossible in this market, Matt made it possible for us to purchase our dream home. He was on top of every aspect of the transaction and never failed to keep us moving forward in a positive direction. Day or night he would keep us abreast of our status during the loan process. We are so pleased that our realtor Freddy Aldana partnered us with Matt because together we were able to realize our dreams. Also, a special thank you to Linnea who was so kind, patient and knowledgeable. :)
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Just purchased my first home and couldn’t be happier! The entire process was smooth, professional, and stress-free. I felt supported by Matt and his assistant Michelle every step of the way. Highly recommend to anyone looking to buy their first
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Just purchased my first home and couldn’t be happier! The entire process was smooth, professional, and stress-free. I felt supported by Matt and his assistant Michelle every step of the way. Highly recommend to anyone looking to buy their first home!
I had an awesome experience working with Matt Maltese! He provided a quick pre-approval and walked me through multiple financing options so I could choose what worked best for me. He was knowledgeable, responsive, and made the whole process smooth from st
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I had an awesome experience working with Matt Maltese! He provided a quick pre-approval and walked me through multiple financing options so I could choose what worked best for me. He was knowledgeable, responsive, and made the whole process smooth from start to finish. A special shoutout to Linnea, the loan servicer—she was also fantastic to work with and kept everything on track. I’d absolutely recommend them to anyone looking for a stress-free loan process
My husband and I just recently closed on our first home, and the process with Matt, Michelle and team was seamless from the very beginning. They were there to answer all my questions every step of the way, and ensured that we knew exactly what we were get
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My husband and I just recently closed on our first home, and the process with Matt, Michelle and team was seamless from the very beginning. They were there to answer all my questions every step of the way, and ensured that we knew exactly what we were getting into with our loan. I’ve always heard how stressful the loan process can be, but our experience was anything but that. It was hands down the easiest part of the home buying process because of this fabulous group of professionals.
I will forever use and recommend Matt and Cardinal Financial!!
As first-time homebuyers, we couldn't have asked for a smoother and more supportive experience. From our very first conversation, Matt and Michelle were invaluable in guiding us through the entire process. They helped us create a clear strategy, and their
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As first-time homebuyers, we couldn't have asked for a smoother and more supportive experience. From our very first conversation, Matt and Michelle were invaluable in guiding us through the entire process. They helped us create a clear strategy, and their expertise and proactive communication made each step feel manageable and understandable. We are incredibly grateful for their flawless service and the ease with which they navigated us through this significant milestone. We highly recommend their services to anyone looking for a dedicated and knowledgeable team, especially first-time buyers!
The entire service from promptness, clarity, use of digital systems, and openness to hearing my thoughts, needs and questions was just wonderful! Could not recommend Matt and the team more!
The entire service from promptness, clarity, use of digital systems, and openness to hearing my thoughts, needs and questions was just wonderful! Could not recommend Matt and the team more!
We just bought our second home and we couldn’t have done it without Matt and his team. They’re amazing and so fast with everything. They made everything so easy for us. Matt and his assistant Linnea would also respond back fast no matter what time of the
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We just bought our second home and we couldn’t have done it without Matt and his team. They’re amazing and so fast with everything. They made everything so easy for us. Matt and his assistant Linnea would also respond back fast no matter what time of the day it was.
Bought our first home using Matt and his team and it was an amazing experience. So informative and knowledgeable, helpful every step of the way, and gave us an extremely supportive process. Their support helped us move forward with confidence and get the
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Bought our first home using Matt and his team and it was an amazing experience. So informative and knowledgeable, helpful every step of the way, and gave us an extremely supportive process. Their support helped us move forward with confidence and get the best deal for us. Would recommend him to everyone.
This was our second time using Matt and his team to complete our financing for our home purchase. Each time has been extremely fast and informative. There were many times during the process where I had questions which I preferably wanted to discuss by pho
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This was our second time using Matt and his team to complete our financing for our home purchase. Each time has been extremely fast and informative. There were many times during the process where I had questions which I preferably wanted to discuss by phone. Whether it was during business hours or later in the evening, Matt made himself available and spoke in great detail through all questions and concerns. He was also amazing at providing us all scenario options to ensure we made the best and most informed decision.
I recently worked with Cardinal Financial (Matt and his assistant Linnea)! They were AWESOME!! They made the whole process so seamless and actually easy!
The stress is always high when purchasing a new home, and I can honestly say that the loan aspect of
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I recently worked with Cardinal Financial (Matt and his assistant Linnea)! They were AWESOME!! They made the whole process so seamless and actually easy!
The stress is always high when purchasing a new home, and I can honestly say that the loan aspect of my recent purchase in Las Vegas was so smooth. I really enjoyed meeting and working with both Matt and Linnea! They made my move to Las Vegas that much more awesome!
If you are looking for a loan agent that knows his stuff, and makes the process a breeze...look no further...Matt Maltese is your guy ;-)!!
Cardinal Financial has been so extremely helpful! I worked with Matt Maltese and his assistant, Linnea, and they both made the whole process super easy. Whenever I had questions about something, they were very responsive and informative. Never once were t
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Cardinal Financial has been so extremely helpful! I worked with Matt Maltese and his assistant, Linnea, and they both made the whole process super easy. Whenever I had questions about something, they were very responsive and informative. Never once were they pushy or overbearing. I value that he never discriminated against me by my credit, income, or race. Before working with Matt, other lenders ignored me and said I was not ready to get a loan, but Matt made it possible. I would highly recommend this company!
I was referred to the company through my realtor and CardianlFinancial has been so extremely helpful! Personally I worked with Matt Maltese and his assistant and they both made the whole process super easy, anytime I had questions about something they wer
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I was referred to the company through my realtor and CardianlFinancial has been so extremely helpful! Personally I worked with Matt Maltese and his assistant and they both made the whole process super easy, anytime I had questions about something they were very responsive and very informative. Never once were they pushy or overbearing. I would highly recommend this company!
Matt is absolutely incredible - I have never worked with an individual who is so devoted to his clients. Matt ensured we had all the available options, walked us through each one and helped us navigate the current market with ease and understanding. I cou
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Matt is absolutely incredible - I have never worked with an individual who is so devoted to his clients. Matt ensured we had all the available options, walked us through each one and helped us navigate the current market with ease and understanding. I couldn't recommend someone more! Thank you Matt for everything you do!
My husband and I moved to Vegas in June of 2023 after selling our home in Seattle of over 20 years. It was our dream to upgrade to a newer home with a pool. A dream that seemed impossible, until we met Matt and his team. Our circumstances were not straigh
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My husband and I moved to Vegas in June of 2023 after selling our home in Seattle of over 20 years. It was our dream to upgrade to a newer home with a pool. A dream that seemed impossible, until we met Matt and his team. Our circumstances were not straight forward. However, Matt made our challenging loan seem easy. Buying a home is a stressful process and I'm glad we chose Matt. Thank you for making our dream a reality. We will never forget you. I highly recommend using him for your home purchase or refinance.
Matt and team, are great. Struggled a little with the technology portal they use but we bought a home in Vegas from Washington and it was a smooth transaction. We appreciated how responsive Matt and Linnea were to our questions and locking in the best ra
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Matt and team, are great. Struggled a little with the technology portal they use but we bought a home in Vegas from Washington and it was a smooth transaction. We appreciated how responsive Matt and Linnea were to our questions and locking in the best rates in this crazy market. Thank you!
Matt and his team are fantastic. 2nd time using them and will never use anyone else. If you want the best service, honesty and someone looking after your best interests, this is the team for you!
Matt and his team are fantastic. 2nd time using them and will never use anyone else. If you want the best service, honesty and someone looking after your best interests, this is the team for you!
What an great experience. Matt made the home buying experience so much easier for my wife and I.
Whether it be last minute loan quotes or urgent approvals - Matt was there to support through the process. Him and his team made it super easy to get everyth
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What an great experience. Matt made the home buying experience so much easier for my wife and I.
Whether it be last minute loan quotes or urgent approvals - Matt was there to support through the process. Him and his team made it super easy to get everything in and was transparent upfront. No shocks, no surprises. Will definitely be looking this way next time I’m back on the market for a house!
Matthew is the absolute BEST!!! I have worked with and used him for 20 years and he has helped me my family and clients as well as saved transactions that would have cancelled for other agents that had buyers on my listings and their lender couldn’t get t
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Matthew is the absolute BEST!!! I have worked with and used him for 20 years and he has helped me my family and clients as well as saved transactions that would have cancelled for other agents that had buyers on my listings and their lender couldn’t get that buyer under written approval and he took us to the finish line. Thank you Matt for 20 successful years and here’s to 20 more.”
Matt Maltese is an amazing lender and an honest straight forward when I spoke to him. He was there for us the whole time of the transaction. He is awesome!
Matt Maltese is an amazing lender and an honest straight forward when I spoke to him. He was there for us the whole time of the transaction. He is awesome!
Matt and the team kept all details of the transaction coordinated - and keeping me informed and organized along the way. From pre-qualification to updates throughout the purchase, Matt was available 24/7, something that mattered as my move was coming from
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Matt and the team kept all details of the transaction coordinated - and keeping me informed and organized along the way. From pre-qualification to updates throughout the purchase, Matt was available 24/7, something that mattered as my move was coming from the east coast. Thank you, Matt!
Matt and his team are amazing. We didn’t hesitate to use them to purchase our investment property. Matt is readily available to answer questions that come up at any time… he even replied via email while traveling for vacation! He is extremely knowledgeabl
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Matt and his team are amazing. We didn’t hesitate to use them to purchase our investment property. Matt is readily available to answer questions that come up at any time… he even replied via email while traveling for vacation! He is extremely knowledgeable and talks you through the process. The online portal that they use is very helpful to complete signing the never ending forms that come with any escrow. His assistant, Linnea is wonderful and makes sure to communicate anything that has been sent via email so that you don’t miss anything. Two thumbs up for The Maltese Group!
Excellent experience with Matt Maltese at Cardinal financial. I have been using Matt for many years and for multiple real estate properties. He was so good that I even have referred many of my physician colleagues to him as well. Realizing that there i
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Excellent experience with Matt Maltese at Cardinal financial. I have been using Matt for many years and for multiple real estate properties. He was so good that I even have referred many of my physician colleagues to him as well. Realizing that there is a significant difference in quality when using mortgage brokers including the loans going through in a timely fashion. Also the interest rates were very well in line with market standards and other competitors.
I was referred by my neighbor who has worked with Matt and his team for many years. My husband and I were trying to refinance and decided to call Matt and see what his group had to offer. The one word I would use during this process is “transparency”. He
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I was referred by my neighbor who has worked with Matt and his team for many years. My husband and I were trying to refinance and decided to call Matt and see what his group had to offer. The one word I would use during this process is “transparency”. He was very straightforward with us and our specific situation. When I had questions the team was very responsive. They use a portal for docs and it made it easy to track the process. It’s important to me to establish a relationship long term with a mortgage professional. I look forward to working with him and his team in the future. Overall excellent service. Thank you!
Matt and his team are amazing!!! We went thru MANY other lenders and none of them had the tenacity or were successful in helping us purchase our first home!! I wish we went with Cardinal Financial FROM THE START- we would have closed a month sooner then w
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Matt and his team are amazing!!! We went thru MANY other lenders and none of them had the tenacity or were successful in helping us purchase our first home!! I wish we went with Cardinal Financial FROM THE START- we would have closed a month sooner then we did! But we switched lenders at the last minute and within 2 weeks we closed on our home purchase. Thank you to Matt, Michelle and Jessica for helping us- and for being a quick, diligent and hard working team that produced amazing results! We wouldn't have been successful without you guys!! Sincerely, Terann and Devin
MATT helped me get loans in 2010, 2012 and 2023.
Each time, Matt made the process as easy as possible with no stress at all.
Matt is professional and knowledgeable.
No wonder why Matt is the best of the best in his financial field.
LIANNA guided me from b
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MATT helped me get loans in 2010, 2012 and 2023.
Each time, Matt made the process as easy as possible with no stress at all.
Matt is professional and knowledgeable.
No wonder why Matt is the best of the best in his financial field.
LIANNA guided me from beginning to end. She has a very positive attitude to help and support me through the whole process. On top of that she is extremely polite and patient.
Don't worry, Lianna will guide you through.
I truly appreciate both of you and highly recommend to everyone, especially to those who have less than average computer skills and less than perfect English skills.
You guys are simply the best!
THE MALTESE GROUP AT CARDINAL FINANCIAL IS THE BEST!! I GOT A GREAT LOAN FROM THEM AND HIGHLY RECOMMEND THEM. THEY ARE HONEST, PROFICIENT AND SKILLFUL IN GETTING YOU THE BEST DEAL.
THE MALTESE GROUP AT CARDINAL FINANCIAL IS THE BEST!! I GOT A GREAT LOAN FROM THEM AND HIGHLY RECOMMEND THEM. THEY ARE HONEST, PROFICIENT AND SKILLFUL IN GETTING YOU THE BEST DEAL.
Good day and thank you.. Very thankful.. I had a lot of questions as a first time home buyer, but matt and linnea explained it really well.. I trust them. Highly recommend matt and the team.. i wish all the best for you man.. 👍🏼👍🏼👍🏼 thank you for also hel
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Good day and thank you.. Very thankful.. I had a lot of questions as a first time home buyer, but matt and linnea explained it really well.. I trust them. Highly recommend matt and the team.. i wish all the best for you man.. 👍🏼👍🏼👍🏼 thank you for also helping my brother..
Matt and his team at Cardinal Financial have gone above and beyond to assist us with all our needs and questions throughout the overwhelming process of acquiring a home loan. Since day one they have been very professional, kind, and respond to us in a tim
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Matt and his team at Cardinal Financial have gone above and beyond to assist us with all our needs and questions throughout the overwhelming process of acquiring a home loan. Since day one they have been very professional, kind, and respond to us in a timely manner. I also want to highlight Linnea who helped me a ton on ensuring we got all the documents completed and walked me through the process of navigating their online portal. My family and I could not recommend them more! Thank you for being a part of our journey to buying our forever home!
We are extremely happy with our new home! The process was fast and easy, there are few bumps but eventually Matt was able to help us! Matt and Linnea are very helpful and professional and easy to work with, nextime we know we’re finally moving to our firs
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We are extremely happy with our new home! The process was fast and easy, there are few bumps but eventually Matt was able to help us! Matt and Linnea are very helpful and professional and easy to work with, nextime we know we’re finally moving to our first home with our first baby, (what a beautiful way to start 2023)
Another thing Matt and his assistant was very responsive to our questions and concerns, which took the stress out of the process especially to me 😅
And also, out of all the banks my husband and I applied he got us the lowest rate so that’s another good thing, I highly recommend Cardinal Financial Company when it comes to mortgage needs!
Mr. Matt Maltese was very helpful, him and Linnea guided me all the way through. I truly appreciate your company and I highly recommend especially for the first timer like me. ❤️
Mr. Matt Maltese was very helpful, him and Linnea guided me all the way through. I truly appreciate your company and I highly recommend especially for the first timer like me. ❤️
From my family, I would like to say, "Thank You!" The help we received, your guidance, and expertise made it possible for us to get an amazing loan structure that fits withing our financial needs. You went above and beyond to make sure everything was done
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From my family, I would like to say, "Thank You!" The help we received, your guidance, and expertise made it possible for us to get an amazing loan structure that fits withing our financial needs. You went above and beyond to make sure everything was done in a timely manner. We definitively recommend them as a loan officer team to help you purchase your new home.
I had a great experience working with Matt and his team. He was very professional and very knowledgeable, he can give you details for the best loan to suit your needs. Simple and straight to the point. They did an awesome job and I highly recommend them t
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I had a great experience working with Matt and his team. He was very professional and very knowledgeable, he can give you details for the best loan to suit your needs. Simple and straight to the point. They did an awesome job and I highly recommend them to anyone.
Matt and his team are amazing. They made the process of buying our home easy and stress free. They answered every question we had from day one and went above and beyond to make sure we had everything we needed. I will be recommending them to all of my fri
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Matt and his team are amazing. They made the process of buying our home easy and stress free. They answered every question we had from day one and went above and beyond to make sure we had everything we needed. I will be recommending them to all of my friends and family looking for a lender.
We couldn't have asked for more from Matt and his assistants, they went above and beyond what we needed and were there for us at every turn. They are very helpful and if you call them, they are more than happy to assist you. Very professional on what they
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We couldn't have asked for more from Matt and his assistants, they went above and beyond what we needed and were there for us at every turn. They are very helpful and if you call them, they are more than happy to assist you. Very professional on what they do. Even though we are living in Hawaii right now, they still go out of their way to help us get a home in Las Vegas. Very committed to helping others and the work they do. We would highly recommend Matt and his team to anyone looking to purchase a home. Thank you very much for helping us achieve our dream.
Matt and his assistant were an amazing team they did more than we could’ve hoped for they went above and beyond what we needed and were there at every step we would we would definitely recommend Matt and his team to anyone when buying a house.
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Matt and his assistant were an amazing team they did more than we could’ve hoped for they went above and beyond what we needed and were there at every step we would we would definitely recommend Matt and his team to anyone when buying a house. Jason & Jamie Coe
All people in Cardinal Financial that we've communicated with were very professional, knowledgeable, always with the attitude of help and support, and very polite.
They help us in all this process of buying our home. We are delighted to have the opportun
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All people in Cardinal Financial that we've communicated with were very professional, knowledgeable, always with the attitude of help and support, and very polite.
They help us in all this process of buying our home. We are delighted to have the opportunity to meet Matt and all his crew.
I had a lot of questions as a first time home buyer, and Matt made the entire process super easy. He and his team are very attentive and professional. 10/10 would recommend.
I had a lot of questions as a first time home buyer, and Matt made the entire process super easy. He and his team are very attentive and professional. 10/10 would recommend.
Matt and his team are wonderful to work with. They are very dedicated and work extremely fast as long as you are also timely with the documents they request to process your loan. In this market the faster you can close the better. Matt had all of our pape
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Matt and his team are wonderful to work with. They are very dedicated and work extremely fast as long as you are also timely with the documents they request to process your loan. In this market the faster you can close the better. Matt had all of our paperwork ready to close and we could have closed earlier then expected, but the sellers side wasnt ready! We closed in under 2 weeks. He gives you breakdowns and goes over all your options with you about rates and costs. We will most definitely recommend his team to anyone looking for a home loan.
Matt was an incredibly helpful person to have helping us throughout the loan process! He made the process seamless and was always available for questions and concerns! Highly recommend for anyone looking to make your home buying process as low stress as c
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Matt was an incredibly helpful person to have helping us throughout the loan process! He made the process seamless and was always available for questions and concerns! Highly recommend for anyone looking to make your home buying process as low stress as can be.
All I can say is EXTREMELY IMPRESSIVE.. Matt and his team are very hands on. My morgage process/closing went smooth. What we appreciated the most is how quickly they respond to communications. Matt and his team are very professional to work with. We were
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All I can say is EXTREMELY IMPRESSIVE.. Matt and his team are very hands on. My morgage process/closing went smooth. What we appreciated the most is how quickly they respond to communications. Matt and his team are very professional to work with. We were very pleased with the experience and will definitely recommend them not just to family and friends but to anyone who needs a lender.
Matt Maltese worked wonders for us and came through when another major lender would not. He was communicative, friendly, and professional. I do recommend Matt for someone who can get the job done!
Matt Maltese worked wonders for us and came through when another major lender would not. He was communicative, friendly, and professional. I do recommend Matt for someone who can get the job done!
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