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A Jumbo Home Loan exceeds conventional loan limits set by Fannie Mae, Freddie Mac, and their regulator, the Federal Housing Finance Agency (FHFA). Jumbo mortgages are available for primary residences, second or vacation homes, and are also available in a variety of terms, including fixed-rate and adjustable-rate loans. A Jumbo loan will typically have a higher interest rate, stricter underwriting rules and require a larger down payment than a conventional loan. Jumbo loans come in a variety of term lengths, but are typically 30 years, and can have a fixed or an adjustable interest rate.
Our Jumbo loans offer:
With a fixed rate mortgage, your interest rate is locked in at closing, and will never change over the life of your loan. The benefits of a fixed-rate loan include:
A popular choice for all homebuyers, fixed-rate mortgages are especially beneficial for individuals who plan to stay in their home for the long-term.
Adjustable-Rate Mortgages, often shortened to ‘ARMs’, offer a fixed introductory interest rate, followed by a rate that changes based on the current market. ARMs provide:
ARMs can be useful financing tools to reduce interest costs and initial monthly payments, for homebuyers who plan to sell or refinance in a period of 10 years or less.
Your lender will guide you through the mortgage loan application process, providing details for all documents, items, and qualification requirements you’ll need to complete your Jumbo mortgage application. These include:
We’ll always go the extra mile for our client relationships, and ensure we’re acting in their best interest.
Cogent Bank’s NMLS# 402296
Our team makes the process simple and easy. Connect with a Loan Originator to learn more about our Jumbo Mortgage options.
