What Is a Jumbo Loan?
A Jumbo Loan is designed for homes that exceed conventional loan limits — offering flexible terms, competitive rates, and the ability to finance luxury or high-value properties. Russ works with multiple wholesale lenders to tailor your mortgage around *you*.
Why Jumbo Borrowers Choose Russ
🏛️ Tailored Loan Solutions
From primary residences to second homes and investment properties, Russ matches your goals to the right Jumbo products.
💼 Discreet, Expert Service
Expect hands-on guidance, clear communication, and concierge-level attention — with the speed modern buyers expect.
📊 Competitive Edge
Leverage Russ’s access to wholesale lending channels and rate flexibility to maximize your buying power.
What You’ll Need for Jumbo Approval
- Strong credit history (typically 700+ FICO).
- Low debt-to-income ratio (DTI) — higher income buyers preferred.
- Documentation for income, assets, and reserves.
- Down payment between 10–20%, depending on program and property type.
Russ Fitzpatrick
Mortgage Loan Originator • NMLS #2712875
Licensed in Florida, Georgia, and North Carolina
CMS Mortgage Solutions, Inc. • NMLS #212405
cmsmortgagesolutions.com
NMLS #212405 | Licensed to Do Business in the State of AL, AZ, CA, CO, DE, DC, FL, GA, ID, IN, LA, ME, MD, MI, MS, NM, NH, NC, OK, SC, PA, TN, TX, VA, and WV
A MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER
www.nmlsconsumeraccess.org
Equal Housing Opportunity
This page is maintained by Russ Fitzpatrick for educational and informational purposes.
It is not an official CMS Mortgage Solutions corporate page and does not constitute a loan
commitment or approval. All loans are subject to credit and underwriting approval.
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