JUMBO LOAN FINANCING

Jumbo loans start above the counties conforming limit. High balance loans are loans between the standard conforming limit and the county specific conforming limit. 

• 1. Maximum loan amount for first-time homebuyers not to exceed $1,000,000 
• Fixed Rate & Adjustable Rate
• Minimum credit score - 700-760 Depending on LTV
• 1-2 Unit financing options
• Maximim DTI's - 36-43%
• Jumbo Financing is only available if it is mortgage 1-4.
• 2 year employment history, or training and education.
• 6 - 18 months reserve requirement - depending on loan amount
• Primary Purchase and Rate and Term Refinance
  • Maximum Loan Amount / LTV / Minimum Credit Score - 1 Unit
  • • $1,000,000 / 85% / 760
    • $1,000,000 / 80% / 720
    • $1,000,000 / 70% / 700
    • $1,500,000 / 75% / 720
    • $2,000,000 / 70% / 720
  • Maximum Loan Amount / LTV / Minimum Credit Score - 2 Unit
    • $1,000,000 / 65% / 720
    • $1,500,000 / 60% / 720
• Cash Out Financing Options
  • Maximum Loan Amount / LTV / Minimum Credit Score - 1 Unit Only
    • $1,000,000 / 70% / 720
    • $1,500,000 / 65% / 720
    • $2,000,000 / 60% / 720
      • Must have owned the property for 6 months or qualify for delayed financing options
      • Property can not be listed for sale in previous 12 months
      • Maximum cash out is $250,000 to 70% LTV. 
      • Maximum cash out is $350,000 to 65% LTV. 
      • Maximum cash out is $500,000 to 60% LTV. 
      • Loan being paid off must be seasoned for at least six (6) months.
• Second Home Purchase & Rate and Term Refinance
  • Maximum Loan Amount / LTV / Minimum Credit Score - 1 Unit Only
    • 1,000,000 / 75% / 720

Financing Options Available in Most states including, but not limited too; CA, CT, HI, NJ, NY, RI, WA, ME, MD

New York Newark Jersey City, NY NJ PA
Los Angeles Long Beach Anaheim, CA
Riverside San Bernardino Ontario, CA
Chicago Naperville, IL IN WI
Washington Baltimore Arlington, DC MD VA PA
San Jose San Francisco Oakland, CA
Boston Worcester Providence, MA RI NH CT
Philadelphia Reading Camden, PA NJ DE MD
Dallas Fort Worth, TX OK
Miami Fort Lauderdale Port St. Lucie, FL
Houston The Woodlands, TX
Atlanta Athens Clarke County Sandy Springs, GA
Detroit Warren Ann Arbor, MI
Riverside San Bernardino-Ontario, CA
Phoenix Mesa Scottsdale, AZ
Minneapolis St. Paul, MN WI
Cleveland Akron Canton, OH
Seattle Tacoma, WA
Denver Aurora, CO
San Diego Carlsbad, CA
Portland Vancouver Salem, OR WA
Orlando Deltona Daytona Beach, FL
St. Louis St. Charles Farmington, MO IL
Tampa-St. Petersburg-Clearwater, FL
Baltimore Columbia Towson, MD
Pittsburgh-New Castle-Weirton, PA
Sacramento Roseville, CA
Charlotte Concord, NC SC

Kansas City Overland Park Kansas City, MO KS
Columbus Marion Zanesville, OH

Indianapolis Carmel Muncie, IN
Las Vegas Henderson, NV AZ
San Antonio New Braunfels, TX
Cincinnati Wilmington Maysville, OH KY IN
Wisconsin Milwaukee Racine Waukesha, WI
Raleigh Durham Chapel Hill, NC
Nashville Davidson Murfreesboro, TN
Austin Round Rock, TX
Virginia Beach Norfolk, VA NC

Greensboro Winston Salem High Point, NC
Providence Warwick, RI MA
Jacksonville St. Marys Palatka, FL GA
Hartford West Hartford, CT
Louisville Jefferson County Elizabethtown Madison, KY IN
New Orleans Metairie Hammond, LA MS
Muskegon, MI
Greenville Spartanburg Anderson, SC
Memphis Forrest City, TN MS AR
Oklahoma City Shawnee, OK
Birmingham Hoover
Richmond, VA Talladega, AL
Harrisburg York Lebanon, PA
Buffalo Cheektowaga, NY
Rochester Batavia Seneca Falls, NY
Albany Schenectady, NY
Albuquerque Santa Fe Las Vegas, NM
Tulsa Muskogee Bartlesville, OK
Fresno Madera, CA
Knoxville Morristown Sevierville, TN
Dayton Springfield-Sidney, OH
El Paso Las Cruces, TX NM
Tucson Nogales, AZ
Cape Coral Fort Myers Naples, FL
Urban Honolulu, HI
Chattanooga Cleveland Dalton, TN GA AL
Bridgeport Stamford Norwalk, CT
Worcester, MA CT
Omaha, Nebraska

North Port Sarasota, FL
Tulsa Muskogee Bartlesville, OK

Columbia Orangeburg Newberry, SC
Little Rock, Arkansas
McAllen Edinburg, TX
New Haven Milford, CT
Bakersfield, CA
Madison Janesville Beloit, WI
Oxnard Thousand Oaks Ventura, CA
Allentown Bethlehem Easton, PA NJ
Baton Rouge, LA
Modesto Merced, CA
Syracuse Auburn, NY
South Bend Elkhart Mishawaka, IN MI
Boise City Mountain Home Ontario, ID OR
Lexington Fayette Richmond Frankfort, KY
Stockton Lodi, CA
Akron, OH
Charleston North Charleston, SC
Springfield Greenfield Town, MA
Huntsville Decatur Albertville, AL
Spokane Spokane Valley Coeur d'Alene, WA ID
Wichita Arkansas City Winfield, KS
Jackson Vicksburg Brookhaven, MS
Colorado Springs, CO
Youngstown-Warren, OH-PA
Toledo Port Clinton, OH
Winston Salem, NC
Portland Lewiston South Portland, ME
Fort Wayne Huntington Auburn, IN
Lakeland Winter Haven, FL
Ogden Clearfield, UT
Lafayette Opelousas Morgan City, LA

Mobile Daphne Fairhope, AL
Visalia Porterville Hanford, CA
Deltona Daytona Beach Ormond Beach, FL
Reno Carson City Fernley, NV
Augusta Richmond County, GA-SC
Scranton Wilkes Barre Hazleton, PA
Provo Orem, UT
Palm Bay Melbourne Titusville, FL
Fayetteville Lumberton Laurinburg, NC
Lansing East Lansing Owosso, MI
Springfield Branson, MO
Lancaster, PA
Kalamazoo Battle Creek-Portage, MI
Durham Chapel Hill, NC
Savannah Hinesville Statesboro, GA
Corpus Christi Kingsville Alice, TX
Johnson City Kingsport Bristol, TN VA
Columbus Auburn Opelika, GA AL
Santa Rosa, CA
Fayetteville Springdale Rogers, AR-MO
Asheville Brevard, NC
Pensacola Ferry Pass Brent, FL
Myrtle Beach Conway, SC NC
Shreveport Bossier City, LA
Rockford Freeport Rochelle, IL
York Hanover, PA
Brownsville Harlingen Raymondville, TX
Port St. Lucie, FL Metropolitan
Santa Maria-Santa Barbara, CA
Salinas, CA
Vallejo Fairfield, CA
Killeen Temple, TX
Flint, MI
Macon Warner Robins, GA
Peoria Canton, IL
Reading, PA

This information is accurate as of the time of posting. Please also verify the accuracy of this information at the time you are considering these options as guidelines change.