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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. No Need W-2 Form , Written Verification Of Employement , Conventional Loan Vs Va Loan , When it comes to rates, AAA LENDINGS is committed to providing competitive and affordable options. We know that securing a mortgage involves not just finding your dream home but also ensuring that it remains an affordable investment. Our dedication to offering competitive rates means that you can confidently embark on your homeownership journey, knowing that you've secured a mortgage that suits your budget.
– 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.

* Min. Loan Amount: Max Fannie Mae General Loan Limit + $1

10/6 ARM

1) Min. FICO 720;
2) Min. 12 months reserves on PITIA;
3) Max. LTV 80%;
4) Max. Loan Amount $3.0M;
5) Max. Cash Out $350,000;
6) 1-4 Units: Primary;
7) 1 Unit: 2nd home & Investment property;
8) Purchase & R/T Refi & C/O Refi.

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.

 

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:
The dream of homeownership isn't limited to traditional homebuyers. At AAA LENDINGS, we have specialized programs to cater to non-traditional borrowers. If you're self-employed, have a fluctuating income, or face unique financial circumstances, our loan options can capture your interest. We embrace diversity in borrowers and actively seek out innovative lending solutions, ensuring that your journey to homeownership remains engaging, regardless of your financial situation. – AAA Lendings Jumbo Loan – AAA Lendings , The product will supply to all over the world, such as: Philadelphia , Bulgaria , Malta , The development of our company not only needs the guarantee of quality, reasonable price and perfect service, but also relies on our customer's trust and support! In the future, we are going to continue with the most qualified and high quality service to offer the most competitive price, Together with our customers and achieve win-win! Welcome to inquiry and consult!
    • Good quality and fast delivery, it's very nice. Some products have a little bit problem, but the supplier replaced timely, overall, we are satisfied.
    5 Stars By Gail from Zurich - 2018.05.15 10:52
    This company has a lot of ready-made options to choose and also could custom new program according to our demand, which is very nice to meet our needs.
    5 Stars By Marina from Portland - 2017.03.28 16:34

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