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While many lenders have limited their scope, we continue to expand our presence across various states, serving borrowers in 45 states, including some of the most dynamic markets like California and Texas. Our expansive reach allows us to understand and adapt to regional nuances, ensuring that our clients in different states receive localized support while still benefiting from our nationwide expertise. Top Direct Mortgage Lenders , Top Mortgage Questions , Payment History , A crucial aspect of attracting your interest is the speed at which you can access vital mortgage information. Our website features a knowledge center, regularly updated with articles on a wide range of mortgage-related topics. From understanding credit scores to demystifying closing costs, these resources are designed to engage and educate you at your own pace, making your journey more interesting and informed.
– 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

Related Product Guide:
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. – AAA Lendings Jumbo Loan – AAA Lendings , The product will supply to all over the world, such as: Borussia Dortmund , Vancouver , Belize , Our items are widely recognized and trusted by users and can meet continuously changing economic and social needs. We welcome new and old customers from all walks of life to contact us for future business relationships and mutual success!
    • The company's products can meet our diverse needs, and the price is cheap, the most important is that the quality is also very nice.
    5 Stars By Princess from Melbourne - 2018.09.16 11:31
    The sales manager is very patient, we communicated about three days before we decided to cooperate, finally, we are very satisfied with this cooperation!
    5 Stars By Sara from United States - 2018.05.22 12:13

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