– 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 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:

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: Juventus , Detroit , Honduras , With the development and enlargement of mass clients abroad, now we have set up cooperative relationships with many major brands. We have our own factory and also have many reliable and well-cooperated factories in the field. Adhering to the quality first, customer first, We are provideing high-quality, low-cost products and first-class service to customers. We sincerely hope to establish business relationship with customers from all over the world on the basis of quality, mutually benefit. We welcome OEM projects and designs.

The company has a good reputation in this industry, and finally it tured out that choose them is a good choice.
