Jumbo loans & cash-out refinancing
“Victor took the time to explain the requirements and walk me through my options.” — Andres V., jumbo loan, Nevada · Client testimonial
Jumbo loans and cash-out refinancing, compared across 150+ lender programs.
4.9 from 60+ Google reviews
Buying above the conforming loan limit or tapping into your home’s equity? Get a free review of your jumbo and cash-out options from founder Victor Salazar (NMLS #2052157). No credit check for the conversation, no obligation.
Licensed Mortgage Help In: AZ, CA, CO, FL, IL, IN, IA, NV, NJ, TX & VA
⚡ Real-time replies: Victor or an active member of our team typically texts back within 5–15 minutes during business hours.
Victor Salazar · Founder, Kings of Lending
Why homeowners call Victor
Bigger loans, clear guidance.
Buying above the loan limit
Jumbo loans are for homes priced above the conforming loan limit, where each lender sets its own guidelines.
Tap into your home’s equity
A cash-out refinance can turn equity into cash for renovations, other goals or your next investment.
Self-employed or complex income
Some jumbo programs accept bank statements or other alternative documentation, depending on the lender.
Compare before you commit
Victor compares options across 150+ lender programs so you can see the full long-term cost, not just the payment.
Client reviews
4.9 across 60+ Google reviews.
“As a self-employed buyer, I had plenty of questions about getting a jumbo loan. Victor took the time to explain the requirements and walk me through my options. His patience and clear communication made a big difference.”Andres V., jumbo loan, Nevada · Client testimonial
★★★★★“I had a complicated deal and was out of the country for some of the process and everything was handled beautifully. Victor understands the business better than anyone and explains what needs to be done very clearly.”William P. · Google review
★★★★★“Every step of the process they helped me understand what was needed and helped keep me on track. It was honestly the fastest and easiest closing process I have ever experienced.”Kevin M. · Google review
Clients on Google often mention: early closing · smooth loan process · responsive team · loan options
Read all reviews on GoogleIndividual results vary. Reviews reflect each client's own experience.
Jumbo & cash-out: Your questions, answered.
Buying a higher-priced home or putting your equity to work? Here’s what to know before you talk with Victor.
What counts as a jumbo loan?
A jumbo loan is a mortgage above the conforming loan limit set each year by the Federal Housing Finance Agency (FHFA). Above that limit, each lender sets its own guidelines for down payment, credit and reserves.
How does a cash-out refinance work?
A cash-out refinance replaces your current mortgage with a larger one and pays you the difference in cash. It resets your loan, so it’s important to compare the full long-term cost, not just the monthly payment. Approval is never guaranteed, and every file is subject to underwriting.
How much down payment will I need for a jumbo loan?
Jumbo down payment requirements depend on your credit, the loan amount, the property and the program. Victor can discuss the down payment, closing costs and cash reserves your scenario may require.
How much equity can I take out?
It depends on your home’s value, your current loan balance, your credit and the program’s limits. Victor can review what may be available for your scenario.
Can I get a jumbo loan if I’m self-employed?
Often, yes. Some jumbo programs accept bank statements or other alternative documentation. Eligibility depends on the program and your file.
Can I do a cash-out refinance on an investment property?
Some programs allow cash-out refinancing on investment properties, including DSCR programs that qualify mainly on rental income. Guidelines vary by lender.
Do I need to meet in person?
No. Most of our clients work with us remotely. You can speak with us by phone, upload documents through our secure online portal, and receive personalized video explanations of your loan options and estimated costs to review at your own pace.
Is the conversation free?
Yes. Talking with Victor is free, with no obligation and no credit check for the conversation. If you later decide to apply, you’ll be told before any credit report is requested.
What happens when I text Victor?
Start by sharing whether you’re buying or refinancing, the property’s location and your estimated purchase price or home value. Victor can discuss your goals, answer your questions and explain the next step.
Which states do you serve?
Kings of Lending is licensed in 11 states: Arizona, California, Colorado, Florida, Illinois, Indiana, Iowa, Nevada, New Jersey, Texas and Virginia, powered by E Mortgage Capital, Inc. (NMLS #1416824).
Let’s talk about your next move.
Get answers to your questions and a clear next step.
Free consultation. No obligation. No credit check to talk.