Super Jumbo CA Home Loans

• 30-Year Fixed Rate Jumbo Loans to max $2 Million (65% LTV)
• Adjustable Rate Super Jumbo Loans to $25 Million. Very low rates, interest-only and 40-year amortization options
• Full Doc Jumbo Loans to 80% LTV to $2 Million on owner-occupied SFR
• Only 10% down on jumbo purchases to $1.1MM max loan with 10% seller-carried subordinate financing! (75% - 80% 1st loan, 10% - 15% seller-carried 2nd note, 10% from buyer)
• Stated Income jumbo loans from $500,000 to $1.5 million max. 65% LTV or less only.
• Available on second homes/ vacation homes
• Jumbo investment property loans
• Purchase, rate & term refinance, cash-out refinance
• "Hard Money" jumbo loans to $5MM available -- CA only
• "Conforming Jumbo" to $729,750 -- government FHA and VA loans available

Other super jumbo loan features

• Bank loans -- jumbo loan programs for fully documented income and assets to credit-qualified borrowers.
• "Stated Income" Jumbo Loans to $1.5MM at 65% LTV -- purchase or rate/term refinance. Asset driven program. This product is still available for a limited time (updated October 2009).
• Hard money super jumbo residential loans starting as low as 8.50%. We have private money sources for specific situations that just miss bank guidelines on high end real estate in desireable markets -- up to 70% LTV in some cases.
• 30-year fixed rate, ARMs, "Interest-only payment" or 40-year amortization schedule options are available on many of our jumbo loan offerings.
• Jumbo residential construction loans (full doc only)
• Properties vested in a trust, partnership, LLC, or Corp OK
• Loans to Foreign Nationals (second homes only, max 55% LTV)
• Cross-collateralized property transactions considered

California Super Jumbo Loan Market Update, 2009

Qualifing for a California jumbo loan? Very good credit, assets in reserve, and a substantial down payment or equity are required for jumbo bank loans. We offer some of the most competitive rates and terms anywhere on conforming jumbo and super jumbo loan amounts. For those who can't qualify with traditional income we offer a limited stated income jumbo loan to $1.5 million and 65% LTV, and hard money jumbo loans.

Super Jumbo Loan Amounts and Loan-to-Value Ratios (SFR purchase and rate/term refinance; cash-out refinance at lower LTV):

* loans up to 90% of the value / sales price to $1.1 million dollars max **
* loans up to 80% of the value / sales price to $2 million dollars max
* loans up to 70% of the value / sales price to $5 million dollars max
** Assumes a 1st mortgage of between 75% and 80% of the sale price, 10% - 15% additional seller-carried subordinate financing, and 10% down from buyer. Minimum 740+ middle credit score required. Other restrictions apply.


LOW JUMBO & SUPER JUMBO INTEREST RATES

30-Year Fixed Conforming and Super Jumbo loans at ultra-competitive rates! Maximum $2 million for 30-year fixed rate loan and 65% LTV. Call or inquire online for jumbo fixed loans.

ARM loans to $25 million. Low rates, 1 - 10 year fixed periods. LTVs to max 70%. 1/1, 3/1, 5/1, 7/1, 10/1 ARMs -- low fixed monthly payments and NO negative amortization! Interest-only and 40 year amortization terms available! Call or inquire online for jumbo ARM loans.

Stated Income ARM Jumbo ARM loan: True "stated income" qualifying, driven by superior assets in reserve, credit, and intended for self-employed borrowers only. Lower LTV than full doc -- max 65%. Good rates. Call or inquire online for stated income jumbo loans.

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

Sorry, but we don't offer traditional jumbo loans on:
AG zonings, equestrian properties, unique properties, or residential homes outside of CA.

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 by lender. Restrictions and conditions apply -- call for more information.

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