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Jumbo Loan


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Jumbo Loans assist with the cost of a high-priced or affluent home. This loan exceeds the conforming loan limit dollar amount (Subject to State ).

A jumbo loan is a mortgage loan that rises above the typical loan limits on conforming loans. Conforming loan limits are secured by the Federal Housing Finance Agency (FHFA).  Additionally called non-conforming mortgages, these loans may also have some more selective protocos. A Jumbo Loan requires a stricter set of requirements, as a result of, larger than typical loan limits. The required down payment is also 10%-30% which is higher than regular requirements.

Who Qualifies?

  • Individuals that have a credit score of 700+

  • Individuals with debt-to-income ratio: 38% to 43%

  • May require other income documentation and tax returns

  • 6 to 18 months of Mortgage emergency funds

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