Luxury Home Buyers
in Bergen County
Jumbo mortgage loans and exclusive financing for luxury properties in Bergen County's most prestigious communities: Alpine, Saddle River, Franklin Lakes, and Ridgewood.
Luxury Home Financing Services
Jumbo Loans
Finance luxury homes above $766,550 with jumbo mortgages. No loan limits for qualified buyers. Common in Alpine, Saddle River, Franklin Lakes.
Concierge Service
White-glove mortgage experience with dedicated support, streamlined process, and personalized attention for high-net-worth clients.
Portfolio Loans
Flexible underwriting for unique situations: multiple properties, foreign nationals, asset-based qualification, non-traditional income.
Premium Bergen County Communities We Serve
Frequently Asked Questions
What is considered a luxury home in Bergen County?
Luxury homes in Bergen County typically start at $1M+ and include properties in Alpine ($2M-$20M+), Saddle River ($1.5M-$10M), Franklin Lakes ($1M-$5M), and premium Ridgewood ($800K-$3M). These homes often feature 4,000-10,000+ sq ft, custom architecture, premium finishes, large lots, and exclusive amenities.
How much down payment do I need for a luxury home?
Jumbo loans typically require 10-20% down. For a $2M home: $200K-$400K down payment. High-net-worth buyers often put down 20-30% to avoid PMI and secure better rates. Some portfolio lenders offer 10% down for exceptional borrowers (750+ credit, strong assets, low DTI).
What credit score do I need for a jumbo loan?
Minimum 700-720 for most jumbo lenders, with 740+ preferred for best rates. Luxury home buyers typically have 760-800+ scores. Higher scores offset the larger loan amounts and increased lender risk. Excellent credit also unlocks better rate pricing and terms.
Can I finance multiple luxury properties?
Yes! High-net-worth buyers often own multiple properties: primary residence + vacation home + investment properties. We structure financing to accommodate: (1) Multiple financed properties, (2) Cross-collateralization if needed, (3) Portfolio loans for 10+ properties, (4) Asset-based qualification using investment portfolios instead of W-2 income.
Ready to Finance Your Luxury Home?
Experience concierge-level service for your high-end Bergen County home purchase.
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