– 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: Morocco , Paris , Iraq , Our expert engineering team will generally be prepared to serve you for consultation and feedback. We're able to also give you with free of charge samples to meet your requirements. Best efforts will likely be produced to provide you the best service and merchandise. When you are keen on our business and items, make sure you speak to us by sending us emails or call us quickly. In an effort to know our merchandise and company extra, you may come to our factory to view it. We'll generally welcome guests from all over the world to our business to create business relations with us. Be sure to feel cost-free to speak to us for small business and we believe we are going to share the best trading experience with all our merchants.

As an international trading company, we have numerous partners, but about your company, I just want to say, you are really good, wide range, good quality, reasonable prices, warm and thoughtful service, advanced technology and equipment and workers have professional training, feedback and product update is timely, in short, this is a very pleasant cooperation, and we look forward to the next cooperation!
