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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. Mortgage Lender Career , 5 Star Mortgage Lender , Mortgage Broker License Florida , We value your time, and we understand that your schedule may not always align with traditional business hours. That's why our customer support is available beyond the 9-to-5 window. Whether you have questions in the evening or during the weekend, we're here to provide assistance. Our extended support hours aim to engage customers by demonstrating our commitment to being there when you need us the most. Your convenience is our priority, and we're here to make your mortgage journey as engaging and hassle-free as possible.
– AAA Lendings Jumbo Loan – AAA Lendings Detail:

JL0815

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 720.

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 2023, the FHFA improves the loan limits for all kinds of loan types, especially Jumbo Loans. Please refer to below 2023 loan limits in California.

 

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:

– AAA Lendings Jumbo Loan – AAA Lendings detail pictures

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Navigating the mortgage landscape can be complicated, but AAA LENDINGS simplifies the process, making it engaging and stress-free. We offer a clear and concise document collection system, allowing you to easily upload the required paperwork online. We are keenly aware that your time is valuable, and by making the process smoother, we keep you actively engaged and in control of your mortgage journey. – AAA Lendings Jumbo Loan – AAA Lendings , The product will supply to all over the world, such as: Porto , Eindhoven , Honduras , We have been committed to meet all your needs and solve any technical problems you may encounter with your industrial components. Our exceptional products and vast knowledge of technology makes us the preferred choice for our customers.
    • This is a very professional wholesaler, we always come to their company for procurement, good quality and cheap.
    5 Stars By Jacqueline from Cologne - 2018.09.23 18:44
    The customer service staff is very patient and has a positive and progressive attitude to our interest, so that we can have a comprehensive understanding of the product and finally we reached an agreement, thanks!
    5 Stars By Phyllis from Ukraine - 2017.03.07 13:42

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