Sunrise · moving up before you sell
Sunrise Jumbo Mortgage Rates
Jumbo financing for Sunrise’s larger lakefront and gated homes, and for Sunrise owners who want to buy their next, bigger home before selling the one they live in.
We specialize in Sunrise jumbo mortgage financing.
Most Sunrise homes sell well under the conforming limit, with a mid-2026 median around $405,000. Sunrise’s jumbo buyers fall into two groups. Some are buying the larger lakefront and executive homes in the west, near the Sawgrass Expressway and the Weston and Plantation borders. More often, they are Sunrise owners moving up: a family that has outgrown a Welleby or Sunrise Golf Village house and wants a bigger home nearby, with the down payment tied up in the house they still live in.
On Mortgage lays out the options for buying first, then compares jumbo lenders on the new loan. Today’s other programs appear on the Sunrise mortgage rates page, and our Sunrise mortgage broker team can help you plan the timing.
Today’s Sunrise Jumbo Mortgage Rate
$713 lender credit
No points, no credit
0.125 points
0.162 points
$672 lender credit
Par rate per program for a single-family primary residence in Broward County, 20% down, 780+ credit, 30-day lock, escrows included. Rates change through the day and are not a commitment to lend. Price your own Sunrise scenario, no credit pull.
Sunrise Jumbo Loan Benefits: High-Value Financing for High-Value Homes
A jumbo loan handles the new home; the question is where the down payment comes from before the old one sells. A short-term bridge loan borrows against your current home’s equity and is repaid at the sale. Here is a Sunrise owner with a home worth $520,000 and $220,000 owed, buying a $1.05 million west Broward home with 20% down:
| Buy first with a bridge loan | Amount |
|---|---|
| Bridge loan for the down payment and closing costs | $235,000 |
| New jumbo loan, 30-year fixed | $840,000 |
| New principal and interest | $5,309/mo |
| Old home payment, until it sells (assumed) | $1,900/mo |
| Bridge interest, often paid monthly or at payoff | $1,763/mo |
| Carrying both homes, per month | $8,972 |
| Each extra month the old home takes to sell | $3,663 |
| Cash left after the sale, net of about 7% selling costs | $28,600 |
New loan at Broward’s jumbo par, 6.500% this morning. The bridge rate of 9% and its terms are illustrations; bridge loans are short-term products with fees, offered by a limited number of lenders. Taxes and insurance on both homes are left out.
Sunrise listings averaged around 91 days on the market in mid-2026, so plan for three months or more of overlap, and price the old home to sell. The jumbo lender will usually need to qualify you with both payments unless the old home is under contract, which is the hurdle many move-up buyers do not expect.
It also helps to have a fallback. If the old house is slow to sell, renting it out turns the carrying cost into income: with a signed lease and the deposit in hand, most lenders will count around three quarters of the rent against its payment, and some owners end up keeping it as a rental for good. The bridge loan then needs another exit, usually a cash-out refinance of the old home once it is leased, so it is worth asking the bridge lender about extensions before you sign. A clear plan B is what lets a family buy first with confidence instead of hoping the market cooperates.
Jumbo Loans in Sunrise for High-Value Purchases and Refinances
Three ways to move up, compared:
- Bridge loan. Fast access to equity, no second move, but the highest short-term cost and you must qualify with both payments.
- Home equity line on the current home, opened before listing. Often cheaper than a bridge, but lenders will not open one once the home is listed, and the line’s payment also counts against you.
- Sell first, then rent briefly. Cleanest qualifying and full equity in hand, at the cost of moving twice.
Owners who are not moving can still use a jumbo: a refinance into a jumbo cash-out on a larger Sunrise home, or a rate-and-term refinance when rates fall.
Sunrise Jumbo Mortgage Rates and High-Balance Loan Options
For Sawgrass Estates, the lakefront homes in west Sunrise and the gated communities along the Weston and north Plantation edges, you can pick from fixed and adjustable jumbos and bank-statement programs for self-employed buyers. Buyers who expect a large payment from the old home’s sale sometimes choose a lender that allows a recast: a one-time principal payment after closing that lowers the monthly payment without refinancing.
Expect a jumbo lender to look for a score somewhere in the 700s and savings left over once you close. Equity in a home you are selling does not count as reserves until the sale closes, which is another reason to plan the sequence carefully.
Jumbo Loan Size in Sunrise
The 2026 conforming line that applies in Sunrise, as everywhere in Broward, is $832,750 for one unit; borrow more and the loan is jumbo. Since most Sunrise homes are priced well below that, a jumbo here usually means a larger home in the west of the city or a move-up purchase nearby. A buyer bringing substantial equity from a sale can sometimes stay under the line on a home over $1 million, and we price both versions.
Jumbo Loans for Lakefront, Gated, and Golf Community Homes
West Sunrise’s larger homes, with four or more bedrooms, pools, three-car garages and lake views, sit in gated and golf communities whose dues count toward your ratio. Appraisers value lake frontage and golf views using sales inside the same or similar communities, and the many comparable homes in west Broward usually make that smooth. The housing stock out here is largely block construction from the 1990s onward, which insurers tend to price more kindly than older frame homes.
Why Compare Sunrise Jumbo Rates
Move-up buyers juggle two loans at once, and lenders differ on bridge availability, on how they treat the old home’s payment, and on whether they allow a recast after the sale. Comparing them is how a move up stays smooth.
Your Local Sunrise Jumbo Mortgage Specialist
A plan for both homes and a jumbo that fits the new one.
Move-up planning
Bridge, equity line or sell first, priced.
Qualifying both
Old and new payments handled.
Recast and refinance
Payment lowered after the sale.
Frequently Asked Questions: Jumbo Loans
Can I buy a bigger home in Sunrise before selling mine?
Yes, with a bridge loan or a home equity line on your current home, or with enough savings. You will usually need to qualify carrying both payments until the old home is under contract.
What is a bridge loan?
A short-term loan against your current home’s equity, used for the down payment on the next home and repaid when the first home sells. It costs more than a regular mortgage and is offered by fewer lenders.
Can I lower my jumbo payment after my old home sells?
Some lenders allow a recast: you make a large principal payment and the lender recalculates the monthly payment without a refinance, usually for a modest fee.
Does equity in my current home count as reserves?
Not until the sale closes and the money is in your account. Before then, lenders look at your other savings and retirement accounts.
When is a Sunrise mortgage a jumbo?
Any single-unit loan in Sunrise over $832,750 is jumbo in 2026. Equity from a sale can keep a larger purchase under that line.
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Tell us about the home you own and the one you want. On Mortgage will lay out the move-up options and compare jumbo lenders. Call or start online today.