– 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 |
| AGAINST THE COAST | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| NORTHERN | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| THE 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 |
| YOU | $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 |
| LET | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| LOS ANGELES | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| WOOD | $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 |
| FEATHERS | $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 |
| Saint Benedict | $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 |
| SAINT MATTHEW | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| SAINT 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 |
| HOLY CROSS | $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 |
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