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Jumbo Loan

We offer high-leverage jumbo loans up to $30MM for refinancing, acquisitions, and new builds nationwide.

3 min
No credit check

Why choose YouLand’s Jumbo Loan program?

We deliver specialized financing for high-value single-family residences across the country. Whether you’re refinancing prior to sale, purchasing a new property, or funding construction, our competitive high-leverage loans keep deals moving in the jumbo market.

Higher loan limits

Most lenders can only do loans for homes worth up to $3MM. We can fund up to $30MM.

Fast closing & competitive rates

We typically close within 3 days and our rates are among the most competitive in the industry.

No early repayment penalties

Pay off or refinance your loan early without any additional fees or penalties.

perfect for the following use-cases

Bridge to Sale Financing

For developers and investors who need to pay off existing construction loans and secure additional funds while bringing jumbo-valued home to market

Property type: Single-family residence
LTV up to 75%
Term: 12-24 months

Best for:

  1. Developers who have completed construction and need time to sell at the best price
  2. Investors looking for short-term bridge financing while marketing a high-value home

Acquisition Bridge Loan

For investors to quickly acquire high-value properties without traditional constraints

Property type: Single-family residence
Loan amount: Up to $30MM
Up to 95% LTC / 80% ARV
Term: 12-14 months

Best for:

  1. Investors acquiring high-value homes for resale or rental
  2. Buyers who need short-tern financing before securing permanent funding
  3. Real estate professionals looking to leverage equity for new acquisitions

Jumbo Construction Loan

For high-end builders and developers funding teardowns or ground-up projects on premium lots

Property type: Single-family residence
Up to 90% of total construction costs
Flexible draw schedules: customized milestone-based funding during construction phase

Best for:

  1. Luxury home builders working on custom estates
  2. Developers creating high-end residential communities
  3. Investors seeking financing for redevelopment and teardown projects

Frequently asked questions

Have questions? Our real estate finance experts are here to help — every step of the way.

Here is a list of property types for which we are unable to offer loans at this time:

  • Rural properties
  • Commercial real estate, including office, retail, and hospitality
  • Mobile homes
  • Manufactured homes
  • Multi-family in New York and New Jersey

In addition, we are 1st lien only and can’t do 2nd or 3rd.

YouLand is a technology-enabled real estate lender founded in 2017 by Richard Jia, a former private equity investor at Fillmore Capital Partners. We provide fast, flexible, and reliable capital to property investors across the U.S.—whether they’re flipping homes, building ground-up developments, or growing rental portfolios. Backed by deep capital markets expertise, YouLand helps real estate entrepreneurs scale with confidence in the $25B+ bridge lending space.

Yes — we require an appraisal for all our loans to ensure accurate property valuation.

Yes — we believe in full transparency. Our loans include standard fees such as origination, underwriting, and document preparation.

No, you don’t need a business entity to secure a loan with us.

Visit our portal at apply.youland.com, fill out the online application form, and submit the required documentation. Our team will review your application and reach out to you as soon as possible.

We typically fund loans up to $30 million, but we don’t have a hard cap — larger deals can be considered on a case-by-case basis.