A loan that does not conform to the guidelines established by Fannie Mae or Freddie Mac or exceeds the conventional loan limit is referred to as a Jumbo loan. These loan amounts can go up to four million dollars. Loan to value limits for Jumbo loans range from 60% to 95% depending on the loan amount.  Unlike conforming programs, loans in this category are underwritten on an individual basis.  We refer to this form of underwriting as "LEAP"; which stands for Loan Exception Approval Programs. ( We offer many Jumbo Programs that allow LTV's up to 100% )

By utilizing our LEAP underwriting, you can apply for specific financing options and not pay for a blank exception.  The pricing is based on only the exceptions you require for your home purchase or refinance.  These exceptions include, but are not limited to:

• Extended Lock Programs - up to 170 Days

• No Ratio - No Income Qualification Loans

• No Documentation Loans

• Reduced Documentation Loans

• 2nd Trust Deeds Loans - 125% + Loan-to-value

• 4+ Properties Financed

• Refinance Cash out - High Loan-to-value

• Investment Property Purchase - 90% Loan-to-value

• Foreign National (owner-occupied) - 80% Loan-to-value

• Self Insured Loans

• Second Home Purchases - 90% Loan-to-value

• High Rise Condos - 95% Loan-to-value

• Bare Land

• Commercial Property

• Mixed Use Property

• Agricultural Property

Apply online to be pre-approved for the loan you want.