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For many of our clients, a mortgage is more than just a financial transaction; it's a significant life milestone. Whether you're a first-time homebuyer or a seasoned real estate investor, we approach each application with the care and attention it deserves. We take the time to understand your goals and aspirations, ensuring that your mortgage aligns with your vision for your future. Top Mortgage Lenders In California, Fidelity Bonds, Conventional Loan Limits 2021, Founded in 2007, AAA LENDINGS is a prominent mortgage lender with a rich history spanning over 15 years. We have gained renown for our unwavering commitment to providing exceptional service and reliability in the world of mortgage lending. Our remarkable lending portfolio is a testament to our experience and capability, with a staggering total loan disbursement exceeding $20 billion. Over the years, this financial prowess has enabled us to assist nearly 50,000 families in achieving their borrowing objectives, making homeownership dreams a reality.
– AAA Lendings Jumbo Loan – AAA Lendings Detail:

JL0815

Overview

Loan amount exceeds the limits for a conventional conforming loan.

Program Highlights

30 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.

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.

* Min. Loan Amount: Max Fannie Mae General Loan Limit + $1
* At least one year rental management history for positive rental income.

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.

 

2022 Loan Limits in California Counties

COUNTY

1-FAMILY

2-FAMILY

3-FAMILY

4-FAMILY

ALAMEDA

$970,800

$1,243,050

$1,502,475

$1,867,275

ALPINE

$647,200

$828,700

$1,001,650

$1,244,850

AMADOR

$647,200

$828,700

$1,001,650

$1,244,850

BUTTE

$647,200

$828,700

$1,001,650

$1,244,850

CALAVERAS

$647,200

$828,700

$1,001,650

$1,244,850

COLUSA

$647,200

$828,700

$1,001,650

$1,244,850

CONTRA COSTA

$970,800

$1,243,050

$1,502,475

$1,867,275

DEL NORTE

$647,200

$828,700

$1,001,650

$1,244,850

EL DORADO

$675,050

$864,200

$1,044,600

$1,298,200

FRESNO

$647,200

$828,700

$1,001,650

$1,244,850

GLENN

$647,200

$828,700

$1,001,650

$1,244,850

HUMBOLDT

$647,200

$828,700

$1,001,650

$1,244,850

IMPERIAL

$647,200

$828,700

$1,001,650

$1,244,850

INYO

$647,200

$828,700

$1,001,650

$1,244,850

KERN

$647,200

$828,700

$1,001,650

$1,244,850

KINGS

$647,200

$828,700

$1,001,650

$1,244,850

LAKE

$647,200

$828,700

$1,001,650

$1,244,850

LASSEN

$647,200

$828,700

$1,001,650

$1,244,850

LOS ANGELES

$970,800

$1,243,050

$1,502,475

$1,867,275

MADERA

$647,200

$828,700

$1,001,650

$1,244,850

MARIN

$970,800

$1,243,050

$1,502,475

$1,867,275

MARIPOSA

$647,200

$828,700

$1,001,650

$1,244,850

MENDOCINO

$647,200

$828,700

$1,001,650

$1,244,850

MERCED

$647,200

$828,700

$1,001,650

$1,244,850

MODOC

$647,200

$828,700

$1,001,650

$1,244,850

MONO

$647,200

$828,700

$1,001,650

$1,244,850

MONTEREY

$854,450

$1,093,850

$1,322,200

$1,643,200

NAPA

$897,000

$1,148,350

$1,388,050

$1,725,050

NEVADA

$647,200

$828,700

$1,001,650

$1,244,850

ORANGE

$970,800

$1,243,050

$1,502,475

$1,867,275

PLACER

$675,050

$864,200

$1,044,600

$1,298,200

PLUMAS

$647,200

$828,700

$1,001,650

$1,244,850

RIVERSIDE

$647,200

$828,700

$1,001,650

$1,244,850

SACRAMENTO

$675,050

$864,200

$1,044,600

$1,298,200

SAN BENITO

$970,800

$1,243,050

$1,502,475

$1,867,275

SAN BERNARDINO

$647,200

$828,700

$1,001,650

$1,244,850

SAN DIEGO

$879,750

$1,126,250

$1,361,350

$1,691,850

SAN FRANCISCO

$970,800

$1,243,050

$1,502,475

$1,867,275

SAN JOAQUIN

$647,200

$828,700

$1,001,650

$1,244,850

SAN LUIS OBISPO

$805,000

$1,030,550

$1,245,700

$1,548,100

SAN MATEO

$970,800

$1,243,050

$1,502,475

$1,867,275

SANTA BARBARA

$783,150

$1,002,600

$1,211,900

$1,506,100

SANTA CLARA

$970,800

$1,243,050

$1,502,475

$1,867,275

SANTA CRUZ

$970,800

$1,243,050

$1,502,475

$1,867,275

SHASTA

$647,200

$828,700

$1,001,650

$1,244,850

SIERRA

$647,200

$828,700

$1,001,650

$1,244,850
Product detail pictures:

– AAA Lendings Jumbo Loan – AAA Lendings detail pictures

Related Product Guide:
AAA LENDINGS takes pride in our community involvement and social responsibility. We believe that being a responsible lender means giving back to the communities we serve. Our team actively participates in charitable initiatives, supporting local causes, and promoting financial literacy. We're not just in the business of providing loans; we're invested in making a positive impact on the lives of our clients and the communities they call home. – AAA Lendings Jumbo Loan – AAA Lendings , The product will supply to all over the world, such as: Czech, Southampton, Bolivia, Ensuring high product quality by choosing the best suppliers, now we have also implemented complete quality control processes throughout our sourcing procedures. Meanwhile, our access to a large range of factories, coupled with our excellent management, also ensures that we can quickly fill your requirements at the best prices, regardless the order size.
    • After the signing of the contract, we received satisfactory goods in a short term, this is a commendable manufacturer.
    5 Stars By Sharon from Egypt - 2017.07.07 13:00
    The accounts manager made a detailed introduction about the product, so that we have a comprehensive understanding of the product, and ultimately we decided to cooperate.
    5 Stars By Kitty from Karachi - 2018.06.09 12:42

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