Get the lowest rates on jumbo mortgages in the greater San Diego region including high cost zip codes in "Encinitas, Rancho Bernardo, La Jolla, Carlsbad, Rancho Santa Fe, Del Mar, Cardiff by the Sea, Solana Beach and adjacent cities".
Loan amount and repayment periods of 5, 7 & 10 Year Jumbo ARMs are available and may vary from lender to lender. For Second Mortgage Loans, please contact us as these programs are very hard to access!
Update: July 2011
90% jumbo loans with "full documentation" is available in AZ, CA, CO, FL, MI, OR, UT, WA to $1.1 Million -
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- Borrowers Need to have:
- 760 credit score or higher
- Purchase or Refinance (no cash back)
- Rates range from 4.5% to 5.75%
- Must Document Income and Assets for 2 years
- No Prepayment Penalty
Current Jumbo Rates Current
° Rates shown above
include a lock-in period of 30 days.
° Interest rates are subject
to change, without notice, until locked.
° Interest rates are updated
daily.
° All programs reflect owner-occupied properties. And illustrate
20% or more equity for refinancing.
° Jumbo loan interest rate and APR’s are based on loan
amounts from $417,001 to $650,000. Slightly higher rates for loans up to $3 Million
° “Cash-out” refinances may have a different interest
rate than other programs, please contact us to verify.
° “No Doc” and No Income loans may have a different interest
rate than other programs and 30% or more minimum equity or down payment, please contact us to verify.
° Credit Scores Borrowers should have a minimum credit score of 680 for loans under $1.5 Mil and 720 if loan is > than $1.5 Million.
° ARM (adjustable rate mortgage) loan APR’s reflect
APR for fixed period only.
° ARM (adjustable rate mortgage) interest rates can increase
after specified fixed period, please review all applicable disclosures.
* Payment
Choice Program Disclaimers: (Discontinued Product)
° Payment Choice Program provides several payment options each month.
° Choosing the minimum payment one month, may not always cover the total
interest due.No Longer available
°
The unpaid portion, called "deferred interest," is added to your
loan balance; and itemized on monthly statements.
°
We highly recommend that you reimburse any "deferred interest" as
quickly as possible.
° Ask about the equity builder program that limits “deferred
interest”
° Rate shown based on loan-to-value of 80% or less; and must
credit score qualify.
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