Programs

Jumbo

A single non-agency jumbo program for balances above conforming limits—structured with the same clarity you expect from agency product, but with expanded-guideline flexibility when the file does not fit the standard box.

Quick highlights

Snapshot of limits and requirements. Figures match program guidelines-your officer confirms overlays.

Loan amount
Up to $20 million
LTV
85% LTV maximum (qualifying files)
Credit score
680 floor
Terms
30-year · 15-year · 7/6 ARM
Options
Interest-only · Cash-out

Program guidelines

Loan purpose

Purchase
Rate/term refinance
Cash-out refinance

Loan term

30-year fixed
15-year fixed
7/6 ARM

Loan amount

Loan amounts up to $20 million

Loan to value (LTV)

LTV as high as 85% where the file qualifies

Minimum credit score

Property type

Primary, second home, or investment occupancy

Eligible property types

SFR
Condos / co-ops

Eligible borrowers

U.S. citizens and permanent resident aliens

Key features & detail

Non-agency jumbo means the loan is not sold to agency aggregators under conforming rules—underwriting uses compensating factors, collateral strength, and documented capacity.

Interest-only payment structures are available for qualifying scenarios.
Cash-out equity access is permitted when guidelines and LTV tests are met.

Need help choosing the right program?

Speak with our team for guidance tailored to your financing scenario.