Jumbo loans · Cash-out refinance
Jumbo loans and cash-out refinancing. Options for bigger loans and your home equity.
Buying a higher-priced home or tapping your home equity? Get a free 15-minute call with Victor Salazar to compare jumbo and cash-out refinance options across 150+ lender programs.Higher-priced home or tapping your equity? Free 15-minute call with Victor.
Text VictorTakes 15 minutes. No credit check for the call. No obligation. Pick any time that works for you.
Victor Salazar · Founder, Kings of Lending
Prefer a callback?
Not ready to book? Tell us about your goal.
Share a few details and Victor will reach out personally to compare jumbo and cash-out options.
“Victor explained in detail the pros and cons of going with a cash out refinance.”Jay V. · Google review
How we can help
Built for bigger goals.
Jumbo purchase
Financing for homes priced above the conforming loan limit set each year by the FHFA.
Book a call →02Jumbo refinance
Refinance a larger loan to change your loan term or structure.
Book a call →03Cash-out refinance
Put your home equity to work for renovations, paying off debt, or your next investment.
Book a call →04High-value & complex files
Unique properties, self-employed income or a past bank denial, reviewed by a real loan officer.
Book a call →Your advisor
Meet Victor Salazar.
Victor Salazar (NMLS #2052157) leads the Kings of Lending team, powered by E Mortgage Capital, Inc. (NMLS #1416824), a licensed mortgage brokerage. Through E Mortgage Capital, the team has access to more than 150 lender programs. If one lender’s requirements don’t fit your situation, we can explore other available options.
Before finance, Victor was a professional athlete who performed with Cirque du Soleil. He is also the author of The Wealth Builder’s Mortgage Guide.
How it works
Simple, from the first call.
Start with a free conversation. If you decide to move forward, we’ll guide you through the application and document review.
The call
Your home, your goals for the loan or equity, and your timeline.
Your documents
Upload your initial documents securely. Your loan officer will explain any additional items needed.
Your loan review
Your loan officer reviews your information against available lender programs.
Your options
Compare available options, estimated payments, and costs after your information is reviewed.
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.
Common questions
Before you book.
Does the call affect my credit score?
No. The 15-minute consultation does not include a credit check. If you later decide to apply, you’ll be told before any credit report is requested.
Is there a cost for the consultation?
No. The consultation is free, with no obligation to apply.
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.
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.
Victor and our team keep you informed and answer your questions throughout the process.
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.
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.
Which states are you licensed in?
The Kings of Lending team is licensed in Arizona, California, Colorado, Florida, Illinois, Indiana, Iowa, Nevada, New Jersey, Texas and Virginia, powered by E Mortgage Capital, Inc. (NMLS #1416824). You can verify licensing on NMLS Consumer Access.
Begin
Your next step starts with a free call.
Free 15-minute consultation. No credit check for the call. No obligation.