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Jumbo Prime - Option Home Loans
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JUMBO PRIME

Offering the Most Competitive Jumbo Prime in the Market 

  • Lender Credits can be applied towards Broker Comp
  • Business funds can be used for reserves (Must be 100% owner)
  • Transferred Appraisals OK
  • NO MI, Impounds can be waived
  • C/O up to $500K

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OUR PROGRAMS

Get a Started Now

3-Month Bank Statement

3-Month Bank Statement

Qualify with most recent Personal or Business Account's Bank Statements

12-Month Bank Statement

12-Month Bank Statement

Qualify with 100% on Personal Account Deposits and 50% on Business Account Deposits

ATR-In-Full

ATR-In-Full

Qualify with enough liquid assets to cover the loan balance

Business Purpose

Business Purpose

Expand your footprint with our business purpose loans

Foreign National

Foreign National

Letter of good standing with current financial institution or international credit report

Interest Only

Interest Only

Offering Loan Amounts up to $4M (O/O) with an 90% maximum LTV

Investor Cash Flow

Investor Cash Flow

Available on SFRs, 2-4 Units, Condos, Townhomes, Condotels, and Non-Warrantable Condos

ITIN

ITIN

Individual Taxpayer Identification Number. Qualify Full Doc or 12-Month Bank Statement for SE

Jumbo Non-QM

Jumbo Non-QM

Qualify with Full Doc or Bank Statements

Jumbo Prime

Jumbo Prime

The Most Competitive Jumbo Prime in the Market

Process Overview

Our simple home loan process

1

Pre-Approval

Before house hunting, potential buyers should get pre-approved for a mortgage. This involves submitting financial information to a lender who then evaluates credit history, income, debts, and assets to determine your loan terms.

2

Loan Application

Once pre-approved, buyers can start looking for a home within their budget. After finding a property and agreeing on the price, they formally apply for a mortgage. This step requires updated detailed financials and documentation.

3

Lock Rate

When you lock in a rate, you and the lender agree to a specific interest rate for your mortgage. This rate remains unchanged irrespective of market fluctuations during the lock period. The lock-in period usually ranges from 15 to 60 days.

4

Loan Processing

The lender processes the application, which includes verifying all the information provided by the applicant. They may request additional documents or clarification. During this stage, an appraisal of the property is also conducted to assess its market value.

5

Underwriting

In this critical phase, the underwriter reviews all documentation and decides whether to approve or deny the loan based on criteria like credit score, debt-to-income ratio, and property value. This is where the lender takes on the financial risk of the loan.

6

Closing

The final step is closing. This involves signing a variety documents that finalize the mortgage process. The buyer typically pays the closing costs, and the ownership of the property is transferred. Once this is completed, the buyer is now the new owner of the home!
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Take your first step towards your home loan journey

Get a quote
  • No impact on credit score
  • No hidden costs
  • No documents required

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