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Jumbo/NonConforming

A jumbo loan is a nonconforming loan that does not meet Fannie Mae or Freddie Mac guidelines because of the higher loan amount.  Typically, interest rates and down payments for a jumbo loan will be higher than a standard conforming loan.  Jumbo loans were designed to help high-income individuals afford luxury homes or smaller homes in highly desirable areas.  Jumbo loans are those that exceed the standard conforming loan amount of $417,000.

  • 30-year, 25-year, 20-year, 15-year, and 10-year terms available

  • Adjustable rate mortgages allowed

  • Single Family and 2-4 units acceptable

  • Second Homes and Investment properties approved

  • Larger down payments required

  • Stricter credit requirements

  • 4 years post-bankruptcy

  • 4 years post-foreclosure

  • Seller concessions allowed based on down payment

  • Loan Amounts in excess of $417,000

  • Purchase or Refinance