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When it comes to big loans, our jumbo loan programs offer a wide range of flexible solutions to meet your needs. We understand that not every borrower fits the traditional mortgage "box", which is why we provide jumbo loans up to $3 million to cover a variety of scenarios, from self-employed individuals to high-net-worth borrowers with unconventional income sources.
Simply put, it's any residential loan that exceeds the conventional loan limit for a particular geographic area. This number can change each year, but in most areas of the country, this currently means any loan amount above $832,750. However, because jumbo loans are not backed by Fannie Mae or Freddie Mac, they can be more challenging to qualify for than conventional loans. Credit history and income qualification are held to more rigorous standards.
That's where we come in. Unlike many banks and credit unions that impose one strict set of underwriting standards on jumbo loans, our jumbo loan programs are highly diverse and offer competitive pricing. This allows us to consider a wider range of loan scenarios and offer our clients more flexible options. Whether your individual needs are simple or more complex, we have a program to fit your needs.
If you're interested in purchasing a home with jumbo financing, or just want to learn more about your options, we would be happy to answer any questions you may have. With our experience and expertise, you can trust us to guide you through the jumbo loan process.
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Our Jumbo Classic Mortgage is our traditional Jumbo home loan program. This loan offers the most competitive interest rates, compared with strict loan qualification standards.
WHO IS THE IDEAL CANDIDATE?
The ideal candidate for this program is an applicant with impeccable credit history, high credit scores, stable work history, strong financial reserves, and straight-forward income using tax personal returns (and business returns, if applicable).
📌 Minimum Down Payment - 10.01% and No PMI.
PROS:
Competitive interest rates and terms.
CONS:
Rigorous qualification standards, limited flexibility. Full-doc qualification using tax returns. 700 minimum score needed to qualify
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Our FLEX Home Loan Program is Mortgage is our Non-Traditional Jumbo home loan program. This loan offers less competitive interest rates, but has very flexible qualification standards.
WHO IS THE IDEAL CANDIDATE?
The ideal candidate for this program is an applicant who may have a challenge in their qualification profile, including items such as:
PROS:
Competitive interest rates and terms. We do not use credit scores to determine interest rate. Flexibility in approval standards, with exceptions offered for appropriate mitigating factors.
CONS:
Full-doc qualification using tax returns, and down payment.
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LEARN MORE ABOUT
FLEX HOME LOAN PROGRAM
We lend up to $3 Million on a per-loan basis; and on exception we also offer financing up to $30 Million to extremely well-qualified applicants.
Contact us today for more information.
This is not a commitment to lend. Not all borrowers will qualify for the loan programs listed. All program terms and conditions are subject to change and may be discontinued without prior notice. Contact loan originator for program questions and scenarios.
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