Expanded Full Doc Jumbo: Tailored Financing for Bold Borrowers

When it comes to financing a high-value property, the Expanded Full Doc Jumbo from AAA Capital Investment, Inc. is a standout solution. Built for borrowers who need more than a Conforming loan can offer, thisJumbo Loan combines substantial loan limits with the reliability of Automatic Underwriting and adherence to Agency guidelines. Whether you’re a first-time luxury homebuyer or a seasoned investor, this product delivers the flexibility and power to turn your real estate vision into reality.

At its core, the Expanded Full Doc Jumbo is a Jumbo Loan designed for amounts exceeding the conforming limit—starting just $1 above the standard threshold and climbing to $2,000,000 or more with an Approve/Accept from an AUS. This makes it perfect for purchasing high-end homes in competitive markets like California or New York, where median home prices often surpass $1 million, according to Redfin’s 2025 data. With a maximum cash-in-hand limit of $500,000 and support for up to 10 financed properties, it’s a versatile tool for both primary residences and investment portfolios.

The product’s commitment to Follow Agency standards ensures consistency and trust. Income and asset verification align with Fannie Mae and Freddie Mac guidelines, accepting sources like RSU income while rejecting riskier options like Bitcoin earnings or marijuana-related income. For example, a tech executive with RSU compensation could use this loan to secure a $1.7 million property, confident that their income meets Agency benchmarks. Assets follow similar rigor—business funds can cover down payments but not reserves, and gifts of equity are ineligible, maintaining a focus on borrower stability.

The power of Automatic Underwriting sets this loan apart. By leveraging systems like DU or LPA, the Expanded Full Doc Jumbo streamlines approvals, reducing paperwork and delays. This is a boon for borrowers with complex profiles, such as those with a DTI up to 50% or non-occupant co-borrowers. The Matrix allows a maximum DTI of 50% for primary residences with an 80% CLTV, dropping to 45% otherwise, offering breathing room for high earners. A borrower with a $200,000 annual income and $8,000 in monthly debt could still qualify for a sizable loan, thanks to this feature.

Credit requirements are firm yet fair. Major derogatory events require seven years of seasoning, and forbearance or modifications demand six months of timely payments post-event. Frozen credit bureaus must be unfrozen, ensuring an accurate AUS rerun. These rules safeguard lenders while giving borrowers a clear path to approval.

Property-wise, the loan avoids adjustments for condos or 2-4 units, and appraisals are robust—one for purchases up to $3,000,000, two for refinances over $2,000,000. Eligible borrowers include U.S. citizens and resident aliens with valid Social Security Numbers, capped at four per loan. Non-occupant co-borrowers add flexibility, provided they meet Agency gift donor ties.

In a nutshell, the Expanded Full Doc Jumbo blends the scale of a Jumbo Loan with the precision of Automatic Underwriting and Follow Agency reliability. It’s a premium choice for bold borrowers ready to invest in their future. Reach out to AAA Capital Investment, Inc. to discover how this loan can work for you.