A Jumbo Home Loan is for those needing larger loan amounts that surpass Fannie Mae and Freddie Mac guidelines. Lenders set the loan limits, varying by county. These loans have stricter requirements but are aggressively priced, making them suitable for those with steady income and strong credit.

Who is it for? Ideal for clients who can document their income, including self-employed individuals. Common requests come from salaried borrowers, business owners, real estate investors, and builders seeking documentation flexibility

Common Objectives:

-Restructure existing mortgage debt for better terms.

-Unlock equity in primary, secondary, and investment properties.

-Improve cash flow and debt structure using cash-out options.

-Focus on pre or post-retirement solutions, including no mortgage payments and cash-out through a HELOC.

-Lock in a long-term interest rate.

-Accelerate paying off current homes.

-Manage monthly payments with interest-only options.

-Improve cash flow for rental properties.

-Utilize aggressive Non-QM loans with less documentation.