– AAA Lendings AAA Non-Conforming Loan – Jumbo Loan(High Loan Amount) – AAA Lendings Detail:
Overview
High loan amount limit than agency conventional loans.
Details
1) Max DTI 43%;
2) Up to $2M Loan Amounts;
3) Up to 80% Max LTV;
4) 2-year tax returns are required;
5) No MI(Mortgage Insurance);
6) 720 or greater credit scores;
7) 12 or more months reserves;
8) SFRs, 2-4 Units, PUDs,Condos;
9) Non-AUS products.
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 California County 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 |
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AAA LENDINGS is not just a lender; we are your financial partner. We take the time to listen to your financial goals and aspirations, offering guidance beyond the application process. Our commitment to your financial well-being extends far beyond closing the deal, and we are dedicated to helping you achieve your long-term objectives, whether that's homeownership, real estate investment, or debt consolidation. – AAA Lendings AAA Non-Conforming Loan – Jumbo Loan(High Loan Amount) – AAA Lendings , The product will supply to all over the world, such as: Romania , Oman , Leicester , With the growing of the company, now our products sold and served at more than 15 countries around the world,such as Europe,North America,Middle-east,South America,Southern Asia and so on. As we bear in our mind that innovation is essential to our growth, new product development is constantly.Besides, Our flexible and efficient operation strategies,High quality products and competitive prices are exactly what our customers are looking for. Also a considerable service brings us good credit reputation.

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