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Your Best Choice in California For A Jumbo or Super Jumbo Loan
Because we specialize in non-conforming Jumbo and Super Jumbo mortgages, we are able to address any home financing need you may have. We also offer a variety of flexible structures and lending arrangements.
A jumbo loan is a loan higher than $417,000 in most counties and in a few counties where property values are higher a jumbo loan is a loan over $625,000. Loans lower than these amounts are considered a conforming loan and loans over $1.5 million are considered Super Jumbo Loans.
Interest-Only Payment Option
We can offer a large variety of Jumbo and Super Jumbo loans. Minimum 760 qualifying credit scores and mortgage insurance are required. Interest-only option payments are possible to manage your monthly cash flow or fully amortized in=payments on several different loan products. We offer 3,5,7,10 and 15 year ARMs to fixed conversion at the end of the interest-only time period.
40 Year Amortization
With large loan amounts the difference in a monthly payment for 30 year amortization or a 40 year amortization can be quite significant. The 40 year instruments we offer can allow you to have a lower debt to income ration requirement no achievable with a 30 year term loan.
Private Money Super Jumbo and Jumbo Loans
We can offer you hard money financing for situations that miss bank guidelines for high value real estate in desirable California real estate areas. In some cases we can accept a 70% loan to Value. This type of loan is best used for gap financing rather than a long-term solution due to the higher rate and shorter balloon terms.
15 year and 30 year Fixed Term Jumbo and Super Jumbo Loans
We offer extremely low rates on 15 year and 30 year mortgages, which we process quickly and we provide at extremely low costs. This is our business. Give us a call and let us show you we cannot be beat.
Don’t wait, call us today and let us show you why we are the best Jumbo Loan source in California. 866.9989698