Jumbo Loans

Many Jumbo Options available. Learn more here…

Six Different Fixed Rate Jumbo Programs

We offer a suite of six fixed-rate jumbo products featuring competitive pricing along with transparent investor guidelines and loan qualifications that allow us to tailor a fixed jumbo loan to your situation. We have options for the Purchase, Refinance, and Cash Out Refinance of primary homes, second homes, and investment properties. These custom options aren’t offered at most big banks or retail lenders!

JUMBO 15- & 30-YEAR FIXED OPTIONS – Six different programs available

Minimum Scores range from 660 – 700 FICO
Up to 50% DTI and up to 90% CLTV
Loan amounts starting at $1 over the conforming loan limit ($766,550) up to $3.5M
Eligible on primary and second home purchases, rate/term and cash-out refinances
For Purchase and Rate/Term Refinances
- Reserves requirements vary between programs
For Cash-Out Refinances
- Maximum cash out and CLTV limits vary between programs
Temporary Rate Buydowns permitted on some programs

ADDITIONAL JUMBO LOAN PRODUCTS

In addition to our fixed-rate jumbo products, we also provide adjustable rate and interest-only options.

PRIME JUMBO ARMS (5-, 7- AND 10-YEAR)

Loan amounts up to $3M
680+ FICO and up to 45% DTI
Up to 80% LTV
Eligible on primary, second and investment properties for purchases, rate/term and cash-out refinances
One appraisal required for purchases up to $3M and refinances up to $2M*
Two appraisals from two different appraisers required for refinances over $2M*
Loan amounts greater than $2M require 18 months of reserves in addition to any reserves required by AUS

PRIME JUMBO INTEREST ONLY (30-YEAR FIXED)

Loan amounts up to $3M
700+ FICO and up to 43% DTI
Up to 80% LTV
10-year interest only, 20-year amortization period
Eligible for primary and second homes for purchases and rate/term refinances
One appraisal required for purchases up to $3M and refinances up to $2M*
Two appraisals from two different appraisers required for refinances over $2M*
Loan amounts up to $1M require 12 months of reserves in addition to any reserves required by AUS
Loan amounts over $1M require 24 months of reserves in addition to any reserves required by AUS

PRIME JUMBO MAX ARMS (7- AND 10-YEAR FIXED)

Loan amounts up to $3M
700+ FICO and up to 43% DTI
Up to 80% LTV
Eligible for primary and second homes for purchases, rate/term and cash-out refinances
One appraisal required for loans up to $1.5M*
Two appraisals from two different appraisers required for loans over $1.5M*
For purchase and rate/term refinances
- For primary purchase loans up to $3M—6-18 months of reserves required
- For second home purchase loans up to $3M —12-18 months of reserves required
For cash-out refinances
- For primary cash-out loans up to $1.5M—12 months of reserves required (up to $250,000 cash back)
- For primary cash-out loans between $1.5M-$2M —15 months of reserves required (up to $500,000 cash back)
- For second home cash-out loans up to $1.5M—12-18 months of reserves required (up to $250,000 cash back)
- For second home cash out loans between up to $1.5M-$2M—18 months of reserves required (up to $500,000 cash back)