Jumbo Home Loan Rates have been “hovering” around the all time low interest rate ranges since COVID-19, yet the Mortgage Secondary Markets for Jumbo loans have had some challenges.  This has led to a lot of confusion for homeowners and Mortgage Lenders.  We get that and help Borrowers navigate this unique market.

Since 2009, Dan Cassel and the Trinity Mortgage Broker team have been committed to helping our Borrowers achieve their Real Estate Dreams, as we navigate the often confusing world of Jumbo Real Estate Loans in California. Our Mortgage Loan Platform and solid Jumbo Loan Networks still allow us to deliver Jumbo Mortgage loans throughout most of California that many “Full Service” Banks typically just do not offer.

For example, our mortgage networks main, reliable, Cash Out Jumbo Loans are still available! And no, we don’t need you to move 1 million over these Banks to get a loan too! These are from Top Mortgage Banks to those with qualified Equity, Credit and Earnings. We get it, offer solutions and also have a smooth, secure Loan Process that allows us to obtain our Borrowers loan decisions quickly and reliably. If we cannot do your loan, we will tell you as soon as possible!

 

Here are some loan guideline details on a couple of Jumbo Loan Products:

• Loan Amounts up to 3 million- Full Documentation

• Available terms: 15 and 30 Year Fixed or  5/1, 7/1 and 10/1 ARM’s

*There are 30 year terms with IO features as well for cash flow.

• Available on both Primary Residences or Second Homes (Investment-Rehab loans-please call)

• 700-720 minimum credit score is typical

• First time home buyer’s are allowed

*Solid Reserves and employment outlook

*No point loans available

• Cash Out Jumbo Loan products are available in California.

*Gift funds allowed *Appraisal Transfers generally allowed

*Solid likelihood of continuing employment

* 6-18 months is typical Liquid Reserves

* Max Loan to value is 80% to 2 MILLION on a Purchase and R/T Refinance

*Self Employed Borrowers on Full Doc Loans are considered on a case by case basis!!**

**We also provide reliable Bank Statement Loans and Terms up to 2.5 million dollars + for Self Employed Borrowers at reduced loan to values. Primary, Second Home or Investment. Personal or Business Bank Statements, 1099 income, or even 1 year tax returns. We offer aggressive pricing and even cash out bank statement loans for the qualified Self Employed Borrower!  We are glad to review your loan needs for guidance and analysis.

 If you seek to begin a new Real Estate Loan Request in California you can simply click here. 

 If you seek to learn more and discuss a Loan scenario, or to Lock in a Loan, you can phone us directly at 866-310-1112 and a Independent Mortgage Expert will get right with you. Either way, you will receive a fast response by one of our reliable and experienced Lending Professionals! We value the opportunity!

 

Thank you for visiting!