Wholesale - AAA Lendings AAA Non-Conforming Loan – Jumbo Loan(High Loan Amount) – AAA Lendings lender and investor

Product Detail

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. Residential Loan , Loan To Value , Direct Lenders In Ca , At AAA LENDINGS, we're your partner for the long term. Our post-closing services are designed to keep you engaged even after your mortgage is secured. We offer ongoing resources, such as home maintenance tips, investment guidance, and periodic mortgage check-ins to ensure your financial goals are on track. Our relationship with you doesn't end at closing; it's an enduring commitment to your financial well-being.

– AAA Lendings AAA Non-Conforming Loan – Jumbo Loan(High Loan Amount) – AAA Lendings Detail:

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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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In the world of mortgage lending, accessibility is key. Our digital mortgage platform is designed with your convenience in mind. You can apply for a mortgage, upload documents, and track your loan progress online, all from the comfort of your home. We've created an engaging digital experience that puts you in control, ensuring that you can manage your mortgage application at your own pace, 24/7. – AAA Lendings AAA Non-Conforming Loan – Jumbo Loan(High Loan Amount) – AAA Lendings , The product will supply to all over the world, such as: Hanover , Ghana , Czech republic , With the intensified strength and more reliable credit, we are here to serve our customers by providing the highest quality and service, and we sincerely appreciate your support. We will endeavor to maintain our great reputation as the best products supplier in the world. If you have any questions or comments, please contact with us freely.

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