Jumbo loan with 10% down and 650 score?

With the score I would suggest a score review to get your scores higher. Jumbos will require a minimum of 680!

Jumbo loans are non conforming loans, Freddie Mac and Fannie Mae wont backed them up. There are stricter requirements such as higher credit score requirements such as 700 and above depends on each lender, down payment is usually 15% and higher, again depends on individual lenders.

More info needed.. but in general, if you have a 650 score then,,, Nope.. not gonna happen.. Typically for 90% Jumbo loans, you need to be 720 or higher.. and also understand that most all jumbo lenders will require that you have additional funds (Reserves) equivalent to 12 to 36 months payments in an asset account.. But because you didn't provide enough info, it's difficult to advise you.. There are situations where you might be able to do a 1st and 2nd mortgage.. Example: $575K sale price home, you do a $417k conventional first mortgage, $100,500 2nd mortgage and 10% down, or $57,500.. this would put you at 73% Loan to Value on the 1st, so no mortgage insurance, and your combined loan to value is 90% which is within conforming loan guidelines.. However, it's possible that the 2nd mortgage lenders have higher minimum credit score requirements as well, so doing this might get you past the reserve requirements (assuming you don't have the funds), but you still might need to work on your credit scores.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com NMLS# 226347