(408) 532-1278

Sign in

Sign up

Jumbo Loan

Jumbo Loan

Financing for Luxury Properties
Jumbo Loans are a noteworthy home loan option for specific circumstances. If you're eyeing a high-value property and require larger-than-conventional loan limits, while still desiring relatively stable monthly payments and the security of a fixed interest rate, then a Jumbo Loan might be your path forward.

Empowering you to buy the home you deserve

It only takes 3-minutes to explore your options, and it won’t affect your credit score — no commitment required.

Today's Mortgage Rates

Legal Disclosure & Assumption

Jumbo Loan Requirements

Minimum 640 Credit Score

Most lenders require a minimum credit score of 640 for USDA loans.

No Down Payment Required

USDA loans do not require a down payment.

1% – 3% In Closing Costs

You’ll need 1% – 3% of the total purchase price to cover closing costs.

Debt-To-Income Ratio ≤ 41%

You’ll need a debt-to-income ratio (DTI) of no more than 41%.

Jumbo Loan Benefits

Financing for loan amounts beyond conforming limits
Allowing borrowers to secure funding for high-value properties.
Flexible down payment options
providing borrowers with the ability to customize their down payment based on their financial capabilities.
Competitive interest rates
ensuring favorable terms and potential cost savings over the life of the loan.
Ability to finance luxury properties
making it possible to purchase upscale homes and enjoy a higher standard of living.

Jumbo Loan Loan Options

Jumbo 15-Year Fixed
The jumbo 15-year fixed mortgage provides the certainty of a locked-in, comparatively lower monthly payment for its shorter term, suited for those investing in upscale properties.
Jumbo 25-Year Fixed
The jumbo 25-year fixed mortgage delivers the assurance of a consistent, relatively lower monthly mortgage payment over a quarter-century, designed for those making high-value purchases.
Jumbo 30-Year Fixed
The jumbo 30-year fixed mortgage offers the ease of mind that accompanies a fixed, lower monthly mortgage payment, tailored for luxury purchases with its larger loan amounts.

See what's possible

Use our calculators to see what homeownership could look like for you.

Refinance:

A few clicks can mean years of savings

Refine your mortgage now to save money and enjoy future financial benefits.

DAILY REFINANCE MORTGAGE RATES (9 December 2024)

Disclaimer

Buy a home:

Seamless Home Purchase Solutions

Explore personalized mortgage options tailored to your needs.

DAILY PURCHASE MORTGAGE RATES (9 December 2024)

Disclaimer
Mortgage Solutions

Discover your true buying power with our

Learn from our experience

0.0/5

Most of customers who sell and buy with Pacificwide recommend us.

(0 reviews)

See our reviews on Google

Gain a better understanding of your mortgage payments

Get expert tips straight to your inbox

Discover ways to increase your home's value and stay on top of local trends.

Pacificwide

Pacificwide Real Estate

We connect you with the most up-to-date real estate tools for your home search and save more with us.

Pacificwide mortgage

We provide 24/7 customer support and secure platform for 100% online mortgage application.

Pacificwide property management

Get free repair estimates and rest easy with our property management team.

LOAN OPTIONS

30-Year Fixed

25-Year-Fixed

15-Year-Fixed

Adjustable Rate Mortgage

Conventional

VA Loans

USDA Loans

Jumbo Loans

ABOUT US

Careers

Loan Processors & Real Estate Agents

Terms Of Use

Email And Text Policy

Privacy Policy

FAQs

CONTACT US

3005 Silver Creek Rd STE 210-214, San Jose, CA 95121

(408) 532-1278

mortgage@pacificwide.com

Follow us

Pacificwide is a Bay Area real estate & mortgage company that serves all your homeownership needs, NMLS Unique Identifier #272883. ©2023 Pacificwide Real Estate & Mortgage. All Rights Reserved.

Do you have any questions? We are here to help!