Flexible underwriting means exactly what it says. While some standard mortgages come with standard underwriting criteria, and “conforming” mortgages must be under the loan limit set by the Federal Housing Finance Agency (FHFA) and meeting Freddie Mac and Fannie Mae funding criteria, a jumbo home mortgage or super jumbo home loan doesn’t fit in those criteria. Mortgage lenders who make super jumbo home loans of $5 million, $10 million, or $15 million or more establish their own underwriting standards. They can be flexible about who they’ll lend to, how much they’ll lend, and interest rates and terms.

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