Loan Programs

Jumbo loans carry a loan amount surpassing the conforming loan limits set by the Office of Federal Housing Enterprise Oversight (OFHEO). They typically carry more credit risk than those issued by Fannie Mae or Freddie Mac, which often results in higher interest rates, but not always.

Although the guidelines below are general, we work with 14+ investors to find the best match for you which could be outside of these perimeters.

Eligible programs:

• 15-year fixed
• 30-year fixed
• ARMs

Occupancy:

• Primary Home
• Secondary Home
• Investment property

Primary Residence Purchase / Refinance:

• Loan Amount up to $3 million
• MAX LTV up to 90%
• Cash-out up to 80%
• Max DTI 43% but in some cases can do up to 50%

Secondary Residence Purchase / Refinance:

• MAX LTV up to 75%
• Max DTI 43%

*All loans are subject to underwriting or investor approval. Other restrictions may apply. This is not an offer of credit or a commitment to lend. Guidelines subject to change.