Jumbo Loans in Paradise Valley, AZ

Almost every Paradise Valley purchase is a jumbo, and many exceed standard jumbo tiers. We work high-balance, asset-depletion, and bank-statement structures for PV buyers.

Jumbo Loans in Paradise Valley: 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 Paradise Valley market

Paradise Valley is the most expensive town in Arizona. Estate lots, hillside custom builds, and purchase prices that make nearly every loan a jumbo. Buyers here are often self-employed, asset-heavy, or relocating with complex income, and the loan has to be built around that.

How Ricky's team handles jumbo loans in Paradise Valley

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 Paradise Valley?

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 Paradise Valley?

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 Paradise Valley?

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.