– AAA Lendings AAA Non-Conforming Loan – Jumbo Loan (High Loan Amount) – AAA Lendings Detail:
Overview
High loan amount limit than agency conventional loans.
7/6 ARM high balance loan limits JUMBO acceptable.
30 Yrs FRM/15 Yrs FRM/ 10/6 ARM high balance loan limit Jumbo unacceptable.
Details
10/6 ARM
1) Min. FICO 720;
2) Min. 12 months reserves on PITIA;
3) Max LTV 80%;
4) Max Loan amount $3.0M;
5) Max cash out $350,000;
6) 1-4 Units: Primary;
7) 1 unit: 2nd home & Investment property;
8) Purchase & R/T Refi & C/O Refi.
7/6 ARM
1) Min. FICO 700;
2) Min. 6 months reserves on PITIA;
3) Max LTV 89.99%;
4) Max Loan amount $2.5M;
5) Max cash out $750,000;
6) 1 Unit & 2 Unit;
7) Primary & 2nd Home property;
8) Purchase & R/T Refi & C/O Refi.
What is Jumbo Loan?
A jumbo loan is a type of financing that exceeds the limits set by the Federal Housing Finance Agency and cannot be purchased, guaranteed, or securitized by Fannie Mae or Freddie Mac. Homeowners must undergo more rigorous credit requirements than those applying for a conventional loan.Jumbo loans allow you to buy expensive properties. A jumbo loan is not backed by Fannie Mae or Freddie Mac.
How to define Jumbo Loan?
In 2022, the FHFA improves the loan limits for all kinds of loan types, especially Jumbo Loans. Please refer to below 2022 loan limits in California, if your loan amount exceeds $970,800, you’re suitable for Jumbo loan. You can also search 2022 loan limits in other counties.
2022 Counties in California Loan Limits:
COUNTY |
1-FAMILY |
2-FAMILY |
3-FAMILY |
4-FAMILY |
ALAMEDA |
$970,800 |
$1,243,050 |
$1,502,475 |
$1,867,275 |
ALPINE |
$647,200 |
$828,700 |
$1,001,650 |
$1,244,850 |
AMADOR |
$647,200 |
$828,700 |
$1,001,650 |
$1,244,850 |
BUTTE |
$647,200 |
$828,700 |
$1,001,650 |
$1,244,850 |
CALAVERAS |
$647,200 |
$828,700 |
$1,001,650 |
$1,244,850 |
COLUSA |
$647,200 |
$828,700 |
$1,001,650 |
$1,244,850 |
CONTRA COSTA |
$970,800 |
$1,243,050 |
$1,502,475 |
$1,867,275 |
DEL NORTE |
$647,200 |
$828,700 |
$1,001,650 |
$1,244,850 |
EL DORADO |
$675,050 |
$864,200 |
$1,044,600 |
$1,298,200 |
FRESNO |
$647,200 |
$828,700 |
$1,001,650 |
$1,244,850 |
GLENN |
$647,200 |
$828,700 |
$1,001,650 |
$1,244,850 |
HUMBOLDT |
$647,200 |
$828,700 |
$1,001,650 |
$1,244,850 |
IMPERIAL |
$647,200 |
$828,700 |
$1,001,650 |
$1,244,850 |
INYO |
$647,200 |
$828,700 |
$1,001,650 |
$1,244,850 |
KERN |
$647,200 |
$828,700 |
$1,001,650 |
$1,244,850 |
KINGS |
$647,200 |
$828,700 |
$1,001,650 |
$1,244,850 |
LAKE |
$647,200 |
$828,700 |
$1,001,650 |
$1,244,850 |
LASSEN |
$647,200 |
$828,700 |
$1,001,650 |
$1,244,850 |
LOS ANGELES |
$970,800 |
$1,243,050 |
$1,502,475 |
$1,867,275 |
MADERA |
$647,200 |
$828,700 |
$1,001,650 |
$1,244,850 |
MARIN |
$970,800 |
$1,243,050 |
$1,502,475 |
$1,867,275 |
MARIPOSA |
$647,200 |
$828,700 |
$1,001,650 |
$1,244,850 |
MENDOCINO |
$647,200 |
$828,700 |
$1,001,650 |
$1,244,850 |
MERCED |
$647,200 |
$828,700 |
$1,001,650 |
$1,244,850 |
MODOC |
$647,200 |
$828,700 |
$1,001,650 |
$1,244,850 |
MONO |
$647,200 |
$828,700 |
$1,001,650 |
$1,244,850 |
MONTEREY |
$854,450 |
$1,093,850 |
$1,322,200 |
$1,643,200 |
NAPA |
$897,000 |
$1,148,350 |
$1,388,050 |
$1,725,050 |
NEVADA |
$647,200 |
$828,700 |
$1,001,650 |
$1,244,850 |
ORANGE |
$970,800 |
$1,243,050 |
$1,502,475 |
$1,867,275 |
PLACER |
$675,050 |
$864,200 |
$1,044,600 |
$1,298,200 |
PLUMAS |
$647,200 |
$828,700 |
$1,001,650 |
$1,244,850 |
RIVERSIDE |
$647,200 |
$828,700 |
$1,001,650 |
$1,244,850 |
SACRAMENTO |
$675,050 |
$864,200 |
$1,044,600 |
$1,298,200 |
SAN BENITO |
$970,800 |
$1,243,050 |
$1,502,475 |
$1,867,275 |
SAN BERNARDINO |
$647,200 |
$828,700 |
$1,001,650 |
$1,244,850 |
SAN DIEGO |
$879,750 |
$1,126,250 |
$1,361,350 |
$1,691,850 |
SAN FRANCISCO |
$970,800 |
$1,243,050 |
$1,502,475 |
$1,867,275 |
SAN JOAQUIN |
$647,200 |
$828,700 |
$1,001,650 |
$1,244,850 |
SAN LUIS OBISPO |
$805,000 |
$1,030,550 |
$1,245,700 |
$1,548,100 |
SAN MATEO |
$970,800 |
$1,243,050 |
$1,502,475 |
$1,867,275 |
SANTA BARBARA |
$783,150 |
$1,002,600 |
$1,211,900 |
$1,506,100 |
SANTA CLARA |
$970,800 |
$1,243,050 |
$1,502,475 |
$1,867,275 |
SANTA CRUZ |
$970,800 |
$1,243,050 |
$1,502,475 |
$1,867,275 |
SHASTA |
$647,200 |
$828,700 |
$1,001,650 |
$1,244,850 |
SIERRA |
$647,200 |
$828,700 |
$1,001,650 |
$1,244,850 |
Product detail pictures:

Related Product Guide:
Planning your financial future begins with the right mortgage partner, and at AAA LENDINGS, we are committed to helping you achieve your dreams. We understand that the journey towards homeownership can be exciting but also daunting. Our seasoned professionals are more than just mortgage experts; they are your financial allies. They are available to discuss your goals, assess your financial situation, and provide personalized guidance that captures your interest. We take pride in being the guiding hand that empowers you to make informed decisions about your future. – AAA Lendings AAA Non-Conforming Loan – Jumbo Loan (High Loan Amount) – AAA Lendings , The product will supply to all over the world, such as: Serbia , Estonia , Myanmar , Due to our good goods and services, we've received good reputation and credibility from local and international customers. If you will need more information and are interested in any of our solutions, be sure to feel free to contact us. We look forward to becoming your supplier in the near future.

This is a honest and trustworthy company, technology and equipment are very advanced and the prodduct is very adequate, there is no worry in the suppliment.
