Jumbo Loans

A jumbo loan is used to finance expensive properties. The maximum amount a person can borrow for a jumbo loan is $548,250 as ordained for the Federal Housing Finance Agency. Properties that exceed the limit for a conventional loan need a jumbo loan.

To qualify for a jumbo loan, you need a FICO score of 700 or more. You should have ample cash reserves and be ready to submit your tax returns, W-2s and 1099s when you apply. Along with this, you show your bank statements and investment accounts to make your application strong.

Our fixed-rate mortgage offers you the stability and security of paying the same monthly installments over your loan’s life. We offer you an option to lower your monthly payments by extending your loan’s life. But if you want to pay off your loan quickly, you can choose a shorter term and pay a higher amount.

Are you ready to own your dream home?

Getting a loan approved when you’re self-employed can be challenging, especially if you don’t fall under the traditional requirements of a loan. Therefore, we offer a 12/24 bank statement loan that can help you secure a home purchase or refinance loan even if you’re self-employed.
In these loans, we use your bank statement for the past 12 or 24 months, instead of your tax returns and W2s, to verify your income.
Here are a few things we look for in your bank statements:

- Adequate account balance
- No overdrafts
- Consistent monthly deposits
- Enough cash to pay 10% down payment
- Adequate money to pay mortgage for several months.

Do you live in the US but don't have an SSN or Green Card? Don’t worry. Your dreams of owning a house can be fulfilled. We will need your Tax-ID (ITIN) to help you apply for the mortgage. Here are some of the features of the loan:

- It’s a purely purchase-based loan for owner-occupied properties only.
- They have a 30-year fixed term that ensures long-term stability for you.
- Unlike all other of our services, it only requires manual underwriting. Our account manager will meet and review your files in person.
- Along with your iTIN card, we need one more proof (any one from govt. issued photo ID, passport, state ID, or Visa)
- Credit scores as low as 620 can also qualify you for this mortgage loan.

Many foreign nationals in the US have a goal to invest in or purchase real estate to fulfil their American dream. Our foreign national mortgage loans enable them to do that.
This mortgage allows you to purchase a higher property and take advantage of the tax benefits that come with it.
To qualify for the foreign national mortgage, you should meet the following criteria:

- Buy one of the eligible properties (condo, townhouse, co-op, 1-4 family houses, investment property, second home)
- Have enough money to pay at least 30% of the down payment.
- Buy a property less than 10 million dollars.

A No Doc investment property loan is different from other real estate loans because it doesn’t require any income documentation or estimation. Your credit score determines your loan-to-value ratio, interest rate, and loan amount. You’ll have to pay a larger down payment to secure this loan.

A high-net-worth customer is a person who earns more than $250,000 a year or possesses assets equaling this value.

High net worth mortgages are more complex and are used for high-value properties to extend a property portfolio.

A lot of high-net-worth customers want to protect their assets. Therefore, they may need lending through special purpose vehicles, offshore structures, trusts, and foundations.

Many high-net-worth individuals opt for a mortgage when they can purchase property with liquid cash because they want to keep their liquidy options open for future investments.