Super Jumbo CALIFORNIA Home Loans

• Low-Down Payment / High Loan-to-Value Jumbo Loans are our specialty -- see Maximum Leverage below.
• Interest-only and amortized jumbo ARM loans to $15 Million. Very low rates and 40-year note options
• Jumbo financing available on second homes, investment property, and vacation homes
• Jumbo Investment Property loans with interest-only payments!
• "Hard Money" jumbo loans to $5MM available -- CA only
• Foreign National Jumbo Financing
• Fannie/Freddie/FHA "Conforming Jumbo" loans to maximum county limits -- we are a direct lender

Maximum Leverage -- Our Specialty

Our super jumbo loan products are well suited for those seeking a lower down payment, or who have less equity to refinance a current loan.

PERCENTAGE OF LOAN AMOUNT TO VALUE
90% super jumbo financing up to $1.1 million loan amount
80% super jumbo financing up to $2.0 million loan amount
75% super jumbo financing up to $3.0 million loan amount
70% super jumbo financing up to $5.0 million loan amount
65% super jumbo financing over $5.0 million

10% DOWN JUMBO PURCHASE LOANS

• "80-10-10" Program -- This product allows for a maximum purchase price of $1.32 million with a combination 1st deed of $1.1 million (at 80% LTV), 10% seller-carried or private-party 2nd deed, and 10% down from the buyer. Call 1-800-644-8829 for more information.
  
  10% DOWN JUMBO PURCHASE OR REFINANCE LOANS
  
• "Fannie Mae + 250k" Program -- This product allows for 10% down payment and a maximum loan equal to the current Fannie Mae Conforming Loan Limit (by subject county) PLUS $250,000. Call 1-800-644-8829 for more information.
  
  
• "15% to $1 million" -- This product allows for 15% down payment up to a maximum $1 million loan amount, and no monthly mortgage insurance is required. Call 1-800-644-8829 for more information.
  
  Other Jumbo Loan Features
  
• Interest-only Option Payments -- manage your monthly cash flow with the option of paying interest-only or fully amortized installments on several of our products. We offer 3/1, 5/1, 7/1, 10/1 and 15-year ARMs with interest-only payments available throughout, and a free ARM-to-Fixed conversion option at the end of the initial interest-only term.
• Investment property financing with Interest-only! This is a unique product -- very few lenders offer interest-only option payments on investment property, but we do. Maximize monthly rental income cash-flow and enjoy 5 - 15 year fixed rates during the interest-only term, with a free ARM-to-Fixed conversion option available.
• Free ARM to Fixed Loan Conversion Option -- our super jumbo, interest-only 40-year ARMs can be converted at the end of their initial fixed-rate, interest-only term to a long-term, fixed rate for the remaining term of the note. There's no cost, no appraisal, and no re-qualifying required!
• Property Title vested in a Trust, LLC, Corp, LP, LLP -- all are acceptable. You do not need to hold title in your personal name.
• No minimum FICO score requirement -- you can have less than ideal scores, but no recent derogatory credit for conventional bank options.
• No limit on number of financed properties -- if the subject property is your primary residence.
• Asset Depletion and Pledged Asset programs -- for those with cash liquidity issues, we can utilize market assets and publicly traded stock to create down payment and reserve funds necessary to qualify, coupled with very competitive jumbo loan terms. Available only on loan amounts over $750,000.
• Hard Money jumbo loans. We have hard money financing for specific situations that just miss bank guidelines for high-end real estate in desireable California markets -- up to 65% LTV in most cases. This type of loan is best utilized as temporary (gap) financing rather than a long-term solution due to the inherently higher note rate and shorter balloon terms. Conditions and restrictions apply depending on occupancy factor per Federal and CA-specific lending laws. Call for info.
• Jumbo residential construction loans for primary residences (full doc only)
• Jumbo Loans to Foreign Nationals (max 50% LTV)

California Super Jumbo Loan Market Update, 2011

Qualifing for a California jumbo loan? Call me or inquire online to discuss your particular needs.

LOW JUMBO & SUPER JUMBO INTEREST RATES

Fixed Rate Super Jumbo loans are at historically low rates at this time. Call or inquire online for jumbo fixed loan rates.

ARM loans to $15 million. 1 - 15 year fixed periods. 1/1, 3/1, 5/1, 7/1, 10/1 and 15-year ARMs -- low fixed monthly payments and Interest-only option and 40 year terms available! Call or inquire online for jumbo ARM loans.

Interest-Only loans for investment 1-4-unit California property. Call for loan limits.

Jumbo FHA loans to conforming county limits. We are a FHA direct lender.

Sorry, but we don't offer jumbo loans on residential property located outside of California.

For inquiries regarding super jumbo mortgage loans in California please call me direct: 1-800-644-8829 or inquire online.

1. Loan programs and amounts, percentage of loan-to-value, rates, terms and qualifications vary. Restrictions and conditions apply -- call for more information.

		Call Toll Free In Santa Clarita	(800) 644-8829 (661) 255-9824
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