The Lowdown on Jumbo Loans
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A jumbo loan is a loan that exceeds the conforming loan limits as set by Fannie Mae and Freddie Mac. As of 2022, the county loan limit has gone up to $647,200 for regular counties and $970,800 for high-balance counties. If you are a borrower that is looking to purchase a higher end home that is above these county loan limits and are looking to preserve as much cash as possible. We’re here to make the jumbo home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE Jumbo Loan Qualifier.
The Jumbo Loan Process
Here’s how our home loan process works:
- Complete our simple Jumbo loan qualifier
- Receive options based on your unique criteria and scenario
- Compare mortgage interest rates and terms
- Choose the offer that best fits your needs
Jumbo Loan Highlights
- Down payment as low as 5% a great cost-effective option
- No Mortgage Insurance Yes Even on a Jumbo Loan
- Make the most out of your refinance by taking advantage of our 95% LTV cash out option
- Could work with a higher Debt to Income Ratio
- Able to still qualify with only 1 year of Tax Return
- Allowable on second homes and investment properties as well
- 2-4 Unit homes are qualified for financing, Borrower as to occupy one of the units
- Qualifying process is more flexible we do not take a cookie-cutter approach
- Closing times are 30 days or less
Why a Jumbo Loan?
Allows you to qualify for higher loan amounts while still preserving cash and avoiding mortgage insurance.