Jumbo Loans
巨額貸款
A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan.
The maximum amount for a conforming loan is $548,250 in most counties, as determined by the Federal Housing Finance Agency (FHFA). Homes that exceed the local conforming loan limit require a jumbo loan.
Also called non-conforming conventional mortgages, jumbo loans are considered riskier for lenders because these loans can’t be guaranteed by Fannie and Freddie, meaning the lender is not protected from losses if a borrower defaults. Jumbo loans are typically available with either a fixed interest rate or an adjustable rate, and they come with a variety of terms.
巨額貸款是一種抵押貸款，用於為對於傳統合格貸款而言過於昂貴的房產融資。
根據聯邦住房金融局 (FHFA) 的規定，大多數縣的合格貸款最高金額為 548,250 美元。超過當地合格貸款限額的房屋需要巨額貸款。
巨額貸款也稱為不合格的傳統抵押貸款，被認為對貸方而言風險較高，因為這些貸款不能由房利美和房地美擔保，這意味著如果借款人違約，貸方將無法免受損失。巨額貸款通常有固定利率或可調利率，並且有多種條款。
JUMBO FULL DOC
Minimum FICO 680
Full Doc Only
First Time Homebuyers Allowed
Competitive Rates For Your Rate
Sensitive Full Doc Borrowers
Who Are Well Qualified
This can be a perfect fit for people who are ....
Higher-end clients will fit into this home loan,
may have high credit quality, low interest rate.
這計劃非常適合信用分數高及能提供稅單的客戶，利率較低。
PRIME JUMBO
查收入貸款
30 & 15 YEAR FIXED 30 年或 15 年期限, 固定利率
5/1, 7/1 & 10/1 ARM 30 年期限貸款, 5 年, 7 年或 10 年固定利率
Owner Occupied, 2nd Home & Investment SFR
Gift Funds allowed after 5% from own funds
適合買入新屋, 還清舊貸款或重貸提現
自住, 第二房屋及投資屋都可以
接受獨立屋, Condo