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Jumbo Loans may make high-end home purchases possible.

With a choice between fixed or adjustable rates, our jumbo loans offer maximum flexibility for home financing for larger loans.

Jumbo Loan

Jumbo Loans can make high-end home purchases possible. When a loan amount exceedes the conforming loan limit, Jumbo and Super Jumbo Loans can offer high-end financing that a traditional loan can’t.

When working with Guarantee Mortgage to obtain a jumbo mortgage, you’ll get great rates even on a large home purchase. With a choice between fixed or adjustable rates, our jumbo loans offer maximum flexibility for home financing for larger loans.

Have questions? Give us a call! One of our mortgage specialists would be happy to answer all of your questions.

Products For Jumbo Loans

We have multiple Jumbo products designed to help you purchase higher priced homes. Each product is tailored to borrowers with different circumstances — however, they all have a few similarities:

PRIME JUMBO (15- OR 30-YEAR FIXED)

  • Loan amounts up to $3M
  • 680+ FICO and up to 45% DTI
  • Up to 89.99% LTV and no MI required
  • Eligible on primary, second and investment properties for purchases, rate/term and cash-out refinances
  • One appraisal required for purchases up to $3M and refinances up to $2M*
  • Two appraisals from two different appraisers required for refinances over $2M*
  • Loan amounts greater than $2M require 18 months of reserves in addition to any reserves required by AUS

PRIME JUMBO RELEASED (30-YEAR FIXED)

  • Loan amounts up to $3M
  • 680+ FICO and up to 45% DTI
  • Up to 89.99% LTV
  • Eligible on primary, second and investment properties for purchases, rate/term and cash-out refinances
  • One appraisal required for loans up to $2M*
  • Two appraisals from two different appraisers required for loans over $2M*
  • Loan amounts greater than $2M require 18 months of reserves in addition to any reserves required by AUS

PRIME JUMBO ARMS (5-, 7- AND 10-YEAR)

  • Loan amounts up to $3M
  • 680+ FICO and up to 45% DTI
  • Up to 80% LTV
  • Eligible on primary, second and investment properties for purchases, rate/term and cash-out refinances
  • One appraisal required for purchase up to $3M and refinances up to $2M*
  • Two appraisals from two different appraisers required for refinances over $2M*
  • Loan amounts greater than $2M require 18 months of reserves in addition to any reserves required by AUS

PRIME JUMBO INTEREST ONLY (30-YEAR FIXED)

  • Loan amounts up to $3M
  • 700+ FICO and up to 43% DTI
  • Up to 80% LTV
  • 10-year interest only, 20-year amortization period
  • Eligible for primary and second homes for purchases and rate/term refinances
  • One appraisal required for purchases up to $3M and refinances up to $2M*
  • Two appraisals from two different appraisers required for refinances over $2M*
  • Loan amounts up to $1M require 12 months of reserves in addition to any reserves required by AUS
  • Loan amounts over $1M require 24 months of reserves in addition to any reserves required by AUS

PRIME JUMBO MAX (30-YEAR FIXED)

  • Loans up to 80% LTV
    • Loan amounts up to $2.5M
    • 700+ FICO and up to 43% DTI
    • Eligible for primary and second homes for purchases and rate/term and cash-out refinances
    • One appraisal required for loans up to $2M*
    • Two appraisals, from two different appraisal companies, required for loans over $2M*
    • Primary purchase loans up to $2M – 12 months reserves required
    • Second home loans over $2M – 18 months reserves required
    • Primary cash out loans up to $1M – 12 months reserves required (up to $300,000 cash back)
    • Second home loans over $1M – 18 months reserves required (up to $300,000 cash back)
    • Primary cash out loans between $1.501-$2M – 12 months reserves required (up to $500,000 cash back)
    • Second home cash out loans between $1.501-$2M – 18 months reserves required (up to $500,000 cash back)
  • Loans with an LTV between 80.01-96.5%
    • Loan amounts up to $1.5M
    • 720+ FICO and up to 40% DTI
    • Eligible for primary purchases and rate/term refinances
    • One appraisal required for loans up to $1M*
    • Two appraisals from two different appraisers required for loans over $1M*
    • For primary purchase loans up to $1.5M – 24 months reserves required

Get started today!

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