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The dream of homeownership isn't limited to traditional homebuyers. At AAA LENDINGS, we have specialized programs to cater to non-traditional borrowers. If you're self-employed, have a fluctuating income, or face unique financial circumstances, our loan options can capture your interest. We embrace diversity in borrowers and actively seek out innovative lending solutions, ensuring that your journey to homeownership remains engaging, regardless of your financial situation. Conventional Loan Vs Jumbo Loan , Mortgage Broker Training , Mortgage Lender Texas , We understand that creditworthiness can be a concern for many borrowers. That's why we offer credit counseling services to help you improve your credit score and secure better loan terms. By providing valuable insights and tailored guidance, we aim to engage potential borrowers who might initially be unsure about their eligibility. We're here to empower you to take control of your financial future.
– 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
Product detail pictures:

– AAA Lendings AAA Non-Conforming Loan – Jumbo Loan(High Loan Amount) – AAA Lendings detail pictures

Related Product Guide:
AAA LENDINGS takes pride in our community involvement and social responsibility. We believe that being a responsible lender means giving back to the communities we serve. Our team actively participates in charitable initiatives, supporting local causes, and promoting financial literacy. We're not just in the business of providing loans; we're invested in making a positive impact on the lives of our clients and the communities they call home. – AAA Lendings AAA Non-Conforming Loan – Jumbo Loan(High Loan Amount) – AAA Lendings , The product will supply to all over the world, such as: Cancun , Ghana , Namibia , Our products are exported worldwide. Our customers are always satisfied with our reliable quality, customer-oriented services and competitive prices. Our mission is to continue to earn your loyalty by dedicating our efforts to the constant improvement of our items and services in order to ensure the satisfaction of our end-users, customers, employees, suppliers and the worldwide communities in which we cooperate.
    • It is a very good, very rare business partners, looking forward to the next more perfect cooperation!
    5 Stars By Joa from Bahamas - 2017.10.25 15:53
    We always believe that the details decides the company's product quality, in this respect, the company conform our requirements and the goods are meet our expectations.
    5 Stars By Quintina from kazakhstan - 2017.11.20 15:58

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