– AAA Lendings Jumbo Loan – AAA Lendings Detail:
				
		Overview
	
Loan amount exceeds the limits for a conventional conforming loan.
		Program Highlights
	
30/15 Years Fixed
1) Rental income can be used with 2 years landlord experiences history;
2) No Mortgage Insurance needed;
3) Max. DTI 45%;
4) Max. LTV 85% for purchase & R/T; Max. LTV 75% for C/O;
5) Max number of financed properties: ① Primary – No Limit, ② 2nd & Investment Property – Max. 20;
6) Max. Loan Amount $3.0M;
7) Max. cash-out amount $500,000;
8) Min. 12 months reserves on PITIA;
9) Min. FICO 680.
Move High Balance to Jumbo 10/6 ARM
Loan Amount More Than $726,200
* Loan Amount at Least $1 Over the Agency Conforming Loans Size are Allowed.
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 Units;
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.
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.
		2023 Loan Limits in California Counties
	
| COUNTY | 1-Unit Limit | 2-Unit Limit | 3-Unit Limit | 4-Unit Limit | 
| ALAMEDA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 | 
| ALPINE | $726,200 | $929,850 | $1,123,900 | $1,396,800 | 
| AMADOR | $726,200 | $929,850 | $1,123,900 | $1,396,800 | 
| BUTTE | $726,200 | $929,850 | $1,123,900 | $1,396,800 | 
| CALAVERAS | $726,200 | $929,850 | $1,123,900 | $1,396,800 | 
| COLUSA | $726,200 | $929,850 | $1,123,900 | $1,396,800 | 
| CONTRA COSTA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 | 
| DEL NORTE | $726,200 | $929,850 | $1,123,900 | $1,396,800 | 
| EL DORADO | $763,600 | $977,550 | $1,181,650 | $1,468,500 | 
| FRESNO | $726,200 | $929,850 | $1,123,900 | $1,396,800 | 
| GLENN | $726,200 | $929,850 | $1,123,900 | $1,396,800 | 
| HUMBOLDT | $726,200 | $929,850 | $1,123,900 | $1,396,800 | 
| IMPERIAL | $726,200 | $929,850 | $1,123,900 | $1,396,800 | 
| INYO | $726,200 | $929,850 | $1,123,900 | $1,396,800 | 
| KERN | $726,200 | $929,850 | $1,123,900 | $1,396,800 | 
| KINGS | $726,200 | $929,850 | $1,123,900 | $1,396,800 | 
| LAKE | $726,200 | $929,850 | $1,123,900 | $1,396,800 | 
| LASSEN | $726,200 | $929,850 | $1,123,900 | $1,396,800 | 
| LOS ANGELES | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 | 
| MADERA | $726,200 | $929,850 | $1,123,900 | $1,396,800 | 
| MARIN | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 | 
| MARIPOSA | $726,200 | $929,850 | $1,123,900 | $1,396,800 | 
| MENDOCINO | $726,200 | $929,850 | $1,123,900 | $1,396,800 | 
| MERCED | $726,200 | $929,850 | $1,123,900 | $1,396,800 | 
| MODOC | $726,200 | $929,850 | $1,123,900 | $1,396,800 | 
| MONO | $726,200 | $929,850 | $1,123,900 | $1,396,800 | 
| MONTEREY | $915,400 | $1,171,900 | $1,416,550 | $1,760,400 | 
| NAPA | $1,017,750 | $1,302,900 | $1,574,900 | $1,957,250 | 
| NEVADA | $726,200 | $929,850 | $1,123,900 | $1,396,800 | 
| ORANGE | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 | 
| PLACER | $763,600 | $977,550 | $1,181,650 | $1,468,500 | 
| PLUMAS | $726,200 | $929,850 | $1,123,900 | $1,396,800 | 
| RIVERSIDE | $726,200 | $929,850 | $1,123,900 | $1,396,800 | 
| SACRAMENTO | $763,600 | $977,550 | $1,468,500 | $1,468,500 | 
| SAN BENITO | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 | 
| SAN BERNARDINO | $726,200 | $929,850 | $1,123,900 | $1,396,800 | 
| SAN DIEGO | $977,500 | $1,251,400 | $1,512,650 | $1,879,850 | 
| SAN FRANCISCO | $1,089,300 | $1,394,775 | $1,685,850 | $1,867,275 | 
| SAN JOAQUIN | $726,200 | $929,850 | $1,123,900 | $1,396,800 | 
| SAN LUIS OBISPO | $911,950 | $1,167,450 | $1,411,200 | $1,753,800 | 
| SAN MATEO | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 | 
| SANTA BARBARA | $805,000 | $1,030,550 | $1,245,700 | $1,548,100 | 
| SANTA CLARA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 | 
| SANTA CRUZ | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 | 
| SHASTA | $726,200 | $929,850 | $1,123,900 | $1,396,800 | 
| SIERRA | $726,200 | $929,850 | $1,123,900 | $1,396,800 | 
Product detail pictures:
 
                            Related Product Guide:
We understand that a mortgage is not just a financial transaction but a significant life decision. Our focus on customer-centricity means that we don't just consider the numbers; we consider your unique story, aspirations, and financial goals. Our mortgage experts take the time to understand your personal journey, ensuring that you receive a mortgage solution that aligns with your vision for the future. – AAA Lendings Jumbo Loan – AAA Lendings , The product will supply to all over the world, such as: Swansea , Uruguay , Portugal , Our company promises: reasonable prices, short production time and satisfactory after-sales service, we also welcome you to visit our factory at any time you want. Wish we have a pleasant and long terms business together!!!
 By Iris
 from
                                Seychelles
 -
                                2017.08.15 12:36
 By Iris
 from
                                Seychelles
 -
                                2017.08.15 12:36
                            After the signing of the contract, we received satisfactory goods in a short term, this is a commendable manufacturer.
 By Carol
 from
                                United States
 -
                                2017.01.28 18:53
 By Carol
 from
                                United States
 -
                                2017.01.28 18:53
                            

 
				



