Jumbo Loans in Chandler, AZ

Ocotillo, Fulton Ranch, and newer luxury builds in south Chandler routinely require jumbo financing. Relocation buyers on a clock get priority turn times.

Jumbo Loans in Chandler: what you need to know

A jumbo loan is any mortgage above the conforming loan limit set annually for Maricopa County. Jumbo loans are underwritten to the lender's own guidelines, which means structure, reserves, and documentation matter more than on a conforming loan, and the right lender can make a big difference in rate and approval.

• Financing well into the multi-million range for purchases and refinances
• 10% to 20% down options for strong borrowers
• Fixed and ARM structures, including interest-only where appropriate
• Asset depletion, bank statement, and RSU income options for complex borrowers
• VA jumbo with zero down for eligible veterans

The Chandler market

Chandler is the East Valley's tech employment hub. Intel, semiconductor suppliers, and a deep bench of engineering employers mean buyers with RSUs, bonuses, and relocation packages. Underwriting that income correctly is the difference between an approval and a denial. Ocotillo lakefront and Fulton Ranch bring the jumbo side.

How Ricky's team handles jumbo loans in Chandler

Every file starts with a 15-minute strategy call. We map your goal, run the numbers on jumbo loan against the alternatives, and issue a pre-approval that has been reviewed by a human underwriter, not a pre-qualification from a form. You get weekly updates, one point of contact, and a closing date we hit. Ricky Khamis has been lending in the Valley since 1999, is an 82nd Airborne veteran, and personally reviews jumbo loan files.

Frequently asked questions

What is the jumbo loan limit in Chandler?

Any loan above the conforming limit for Maricopa County is a jumbo. The limit is updated every January. Call for the current number and how your loan amount lands against it.

How much down do I need for a jumbo loan in Chandler?

Typically 10% to 20% depending on loan amount, credit, and reserves. Larger loan amounts require more down and more reserves.

Are jumbo rates higher?

Not necessarily. Jumbo pricing is often at or below conforming for strong borrowers. We price both and show you.

I'm self-employed. Can I get a jumbo loan in Chandler?

Yes. Full-doc with two years of returns is the standard path, and bank statement or asset-based programs exist for borrowers whose returns understate their income.

Source: Ricky Khamis, President of EPiQ Lending, NMLS #173141, Scottsdale, Arizona. Program guidelines change; contact us for current terms. Not a commitment to lend.