Jumbo Loan Programs

Jumbo Loan

A jumbo mortgage loan is a home loan that exceeds the conforming loan limits that have been established by regulations. For a majority of the United States the limit is $417,000 and in higher cost areas is typically $625,000. The process for a jumbo mortgage loan compared to a conforming mortgage loan is very similar though sometimes require 2 appraisals instead of one. Jumbo mortgage loans generally require higher down payments, and a FICO credit score of 700 or higher.

These are the Jumbo Loan Products that United Mortgage Plus offers:

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    Jumbo Elite 

    – Get the pricing and turn times you deserve. Jumbo Elite loans not only offer competitive pricing, but they also allow you to close in an impressive 25 days or less.

    – Loan amounts up to $2 million

    – Exclusive rate incentives for borrowers with 740+ FICO

    – Eligible for primary and second homes

    – ARM and fixed-rate options available

    – Same-day closings with UClose

    Jumbo

    ​​​​​​​The only true Jumbo loan that is easy to close! Among the most competitive 30-year fixed rates in the industry, We offers incentives on all purchase transactions. From primary homes to investment properties, We provides jumbo loans with clear, hassle-free guidelines.

    – Eligible for primary, secondary and investment properties

    – FICOs as low as 700

    – Loan amounts up to $2.5 million

    – Fixed rate and ARM loans available

    Liberty Jumbo Program

    – 95% LTV up to $1.5 million, no MI

    – 90% LTV up to $2.5 million, no MI

    – 80% LTV up to $2 million Alt Doc

    – 70% LTV up to $2 million with 600 FICO

    – DTI 50% with 80% LTV

    – 2nd Liens with 95% LTV up to $1.5 million

    Interest Only

    ​​​​​​​Save up to hundreds of dollars each month by taking advantage of a low, flexible payment option.

    – Loan amounts from $250,000 – $2,000,000

    – 5/1 ARM with a 2/2/5 cap

    – 42% maximum DTI

    – 720+ FICO

    – Deferred principal for the initial 10 year interest only period

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