Chidule cha Full Doc Jumbo
Full Doc JumboNgongole imadutsa malire angongole yofananira wamba.
Mulingo:DINANI APA
Mfundo zazikuluzikulu za Doc Jumbo Program
Zaka 30 Zazikulu Zokhazikika & 10/6 ARM
1) Max.LTV 80% yogula;Max.LTV 70% ya C/O;
2) Max.Ngongole Yambiri $3.0M;
3) Min.12 miyezi yosungirako PITIA;
4) Min.Mtengo wa FICO720.
Zowonjezera Zaka 30 Zokhazikika
1) Ngongole Amt $400K~$4.0M
2) Max DTI mpaka 50%
Elite Jumbo (5/6 ARM, 7/6 ARM) * Pulogalamuyi ndi yogulitsa kokha.
Deposit ndi Chidwi.Madipoziti Ochulukirapo, Mtengo Wotsika!
Madipoziti ndi a CD ya miyezi 12 (iyenera kusungidwa muakaunti yosankhidwa ndi AAA).
Chidwi chimasiyana ndi tsiku lotsegulira.Mlingo unali 4.25% pa 12/08/2023.
Kusungitsa kochepa ndi20%za ndalama zangongole.
1) Max.Ngongole Yamtengo $4.0M
2) Max.DTI 45%
3) Min.Mtengo wa FICO700
DINANI APAkuti mupeze malire a LTV & FICO ndi zina zambiri pa Matrix.
Jumbo Flyer
Nkhani ndi Makanema
Ngongole za Elite Jumbo: Kumene Mwanaalirenji Amakumana ndi Kukwanitsa
Kuyendetsa Ngongole Zambiri za Doc Jumbo: Chitsogozo Chowona Padziko Lonse la Ogula Okhala ndi Zigoli Zotsika za FICO➡Kanema
Kukulitsa Ndalama Zogulitsa Nyumba ndi Ngongole Zathunthu za Doc Jumbo: Yang'anani pa Ma Condo Osakhala A Agency Zaka 30 Okhazikika komanso Osavomerezeka➡Kanema
Kuyendetsa Ngongole Zambiri za Doc Jumbo: Udindo Wofunika Kwambiri Wosamalira Malipiro Anyumba Mochedwa➡Kanema
Kodi Jumbo Loan ndi chiyani?
Ngongole yayikulu ndi mtundu wandalama womwe umadutsa malire omwe akhazikitsidwa ndi Federal Housing Finance Agency ndipo sungathe kugulidwa, kutsimikiziridwa, kapena kutetezedwa ndi Fannie Mae kapena Freddie Mac.Eni nyumba ayenera kukumana ndi zofunika kwambiri zangongole kuposa omwe akufunsira ngongole wamba.Ngongole za Jumbo zimakupatsani mwayi wogula malo okwera mtengo.Ngongole ya jumbo sichimathandizidwa ndi Fannie Mae kapena Freddie Mac.
Mu 2024, FHFA imakweza malire a ngongole zamitundu yonse, makamaka Jumbo Loans.Chonde onani pansipa malire a ngongole a 2024 ku California.
2024 Malire a Ngongole ku California Counties
| COUNTY | 1 - Malire a Unit | 2-Unit Limit | 3-Unit Limit | 4-Unit Limit |
| ALAMEDA | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| ALPINE | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| AMADOR | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BUTTE | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CALAVERAS | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| COLUSA | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CONTRA COSTA | $1,149,825 | $1,472,250 | $1,186,350 | $2,211,600 |
| DEL NORTE | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| EL DORADO | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| FRESNO | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Chithunzi cha GLENN | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HUMBOLDT | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| IMPIRI | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| INYO | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| KERN | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MAFUMU | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| NYANJA | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LASSEN | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LOS ANGELES | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| MADERA | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MARIN | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| MARIPOSA | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MENDOCINO | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MERCED | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MODOC | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MONO | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MONTEREY | $920,000 | $1,177,750 | $1,423,650 | $1,769,250 |
| NAPA | $1,017,750 | $1,302,900 | $1,574,900 | $1,957,250 |
| NEVADA | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LALANJE | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| PLACER | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| PLUMAS | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| Mtsinje | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SACRAMENTO | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SAN BENITO | $1,149,825 | $1,472,250 | $1,779,525c | $2,211,600 |
| SAN BERNARDINO | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SAN DIEGO | $1,006,250 | $1,288,200 | $1,557,150 | $1,935,150 |
| Chithunzi cha SAN FRANCISCO | $1,149,825 | $1,472,250 | $1,779,525 | $1,867,275 |
| SAN JOAQUIN | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SAN LUIS OBISPO | $929,200 | $1,189,550 | $1,437,900 | $1,786,950 |
| SAN MATEO | $1,149,825 | $1,394,775 | $1,779,525 | $2,211,600 |
| SANTA BARBARA | $838,350 | $1,073,250 | $1,297,300 | $1,612,250 |
| SANTA CLARA | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| SANTA CRUZ | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| SHASTA | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SIERRA | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SISKIYOU | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SOLANO | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SONOMA | $877,450 | $1,123,300 | $1,357,800 | $1,687,450 |
| STANISLAUS | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SUTTER | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| TEHAMA | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| UTATU | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| TULARE | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| TUOLUMNE | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| VENTURA | $954,500 | $1,221,950 | $1,477,050 | $1,835,600 |
| YOLO | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| YUBA | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
