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Your Path to Jumbo & Super Jumbo Loans

Unlock Luxury Home Ownership: Jumbo Loans. Insider Tips for Best Rates, Down Payments, Qualifications.

Definition & Benefits

Jumbo and Super Jumbo Loans.

Jumbo and Super Jumbo Loans are a type of home loan that exceed the conforming loan limits set by Fannie Mae and Freddie Mac. In most areas, the conforming loan limit is $548,250 for a single-family home, but in certain high-cost areas, the limit can be as high as $822,375. Any loan amount above these limits is considered a Jumbo or Super Jumbo Loan.

Qualifying for a Jumbo or Super Jumbo Loan typically requires a higher credit score, lower debt-to-income ratio, and a larger down payment than a conforming loan. Lenders may also require additional documentation to prove income and assets. However, Jumbo and Super Jumbo Loans offer several benefits, including:

Higher loan amounts

Jumbo and Super Jumbo Loans can be used to finance high-end properties that may not be eligible for a conforming loan.

Flexibility

Jumbo and Super Jumbo Loans can be structured in a variety of ways, including fixed-rate, adjustable-rate, and interest-only options.

Investment opportunities

Jumbo and Super Jumbo Loans can be used to finance investment properties and vacation homes.

Tax benefits

Interest paid on Jumbo and Super Jumbo Loans may be tax-deductible, subject to certain limitations.

Low interest rates

Despite the larger loan amounts, Jumbo and Super Jumbo Loans often have competitive interest rates due to the lower risk for lenders.

Take your time: Don't rush into buying a home.

Take the time to explore your options, ask questions, and make informed decisions. By following these guidelines and doing your research, you can increase your chances of finding the right home and securing a favorable mortgage loan.

Varieties of Jumbo Loans

Exploring varieties of jumbo & super jumbo loans

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Fixed-rate mortgages

These loans have a fixed interest rate for the life of the loan which can range from 10 to 30 years.

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Adjustable-rate mortgages

These loans have a variable interest rate that can fluctuate over time, typically after an initial fixed-rate period.

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Combo loans

These loans allow borrowers to pay only the interest on the loan for a certain period of time, typically 5 to 10 years, beforebeginning to pay down the principal.

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Interest-only loans

These loans allow borrowers to pay only the interest on the loan for a certain period of time, typically 5 to 10 years, before beginning to pay down the principal.

Swift Programs

Explore Our Array of Loan Programs Tailored to Suit Your Needs

Discover home-ownership with our tailored loans. Our expert team ensures you get the perfect loan for your unique needs.

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Our 1099 loans, provide flexible financing solutions tailored to your needs.

  • Min 640 FICO

  • Upto 90% Max LTV

  • Upto 50% DTI Ratio

  • Interest Only Available

  • 1/2 Year Form

Interested in this program

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Asset depletion is a financial strategy utilized by lenders to assess a borrower's eligibility for a loan.

  • 2 Month Bank Statement

  • ITIN Program to 80%

  • Foreign National to 75%

  • 1099 Only & DSCR

  • 12 Month Bank Statement

Interested in this program

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A specialized loan program for foreign nationals, providing tailored financing solutions.

  • Min 700 FICO

  • Upto 75% Max LTV

  • $ 3M Max Loan Amount

  • Asset Utilization allowed as an

  • eligible doc option

Interested in this program

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Specialized mortgage products for financing units that are operated as part of a hotel or resort.

  • Min 680 FICO

  • Upto 65% Max LTV

  • $ 1.5M Max Loan Amount

  • Minimum square footage of 500 sq/ft

Interested in this program

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