Jumbo & ARM Loans

Dive into the realm of high-value real estate with the robust flexibility of Jumbo and ARM loans, each tailored to elevate your homebuying experience to new heights. A Jumbo loan opens the door to luxury homes and upscale properties by offering financing options beyond conventional loan limits, granting you the freedom to pursue your dream home without constraints. Meanwhile, an Adjustable-Rate Mortgage (ARM) introduces a dynamic approach to borrowing, with interest rates that adjust over time based on market trends. Together, Jumbo and ARM loans provide a spectrum of possibilities.

LIFESTYLE LENDING

JUMBO & ARM LOANS

A jumbo loan is a loan that exceeds the conforming loan limits as set by Fannie Mae and Freddie Mac. As of 2024, the limit is $766,550 for most of the U.S. Alaska, Hawaii, Guam, and the U.S.Virgin Islands have limits of $1,149,825. Rates may be a bit higher on jumbo loans because lenders generally have a higher risk.


Requirements:

  • Debt to income ratio is capped at 45%

Benefits: 

  • No mortgage insurance
  • Variety of loan programs
  • Loan amounts up to $3.5M

GET A JUMBO LOAN QUOTE

An adjustable-rate mortgage (ARM) is a home loan with a variable interest rate. With an ARM, the initial interest rate is fixed for a period of time. After that, the interest rate applied on the outstanding balance resets periodically, at yearly or even monthly intervals.


Requirements:

  • Credit & income qualifications

Benefits:

  • Great for short term
  • Lower payments
  • Lower rates
  • Builds equity faster

GET AN ARM QUOTE

We’re here to make the home loan process easier, with tools and knowledge that will help guide you along the way, starting with our loan qualifier. We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first- time home buyer or a repeat buyer.

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The Lifestyle Experience

Why Work With Us

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Transparency

One of our core values is complete transparency with our clients. It is woven into the fabrics of our business. You can expect honesty and trust when working with us.

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Lower Rates

We do the rate shopping for you. One of the benefits of working with us is we can shop your loan around with dozens of lenders to make sure you are getting the best loan terms for your situation.

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Lower Fees

We don’t believe you should spend more on your dream home so we can earn more. Our fees are lower than our competitors so you keep more money in your pocket.

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Faster Closing Times

Your perfect home is waiting for you. Enjoy faster closing times so you can start living your dream as quickly as possible. We can close loans in as little as 10 business days.

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Better Service

Securing your home shouldn’t be stressful. Get better service and care without compromising on value. We save our clients on average around $9500 using a broker over a big bank. We are also local to our markets and have more knowledge than an online lender or retail bank.

FIND OUT HOW MUCH HOME

YOU CAN AFFORD

Discover exactly what you can afford before you start searching for a home. Before embarking on your home search journey, discover precisely what you can afford by utilizing our home purchase qualifier tool.

HOME PURCHASE QUALIFIER