Jumbo / Super Jumbo
At a glance
- Typical qualifications and documentation vary by lender and program rules.
- Property type, occupancy, and credit profile matter.
- We’ll confirm eligibility and next steps during a call.
Basic qualifications (typical)
- Typically requires stronger credit, reserves, and documented income.
- Down payment requirements vary by loan amount, property type, and profile.
- Appraisal requirements may be more stringent (and sometimes require 2 appraisals).
Property types that may work
- Primary residences
- Second homes (often allowed)
- Some investment properties (program dependent)
Typical documentation checklist
- Photo ID
- Full income documentation (W‑2, paystubs, tax returns for self‑employed)
- Asset statements (reserves often required)
- Purchase contract and insurance quote
- Credit authorization and explanations for large deposits if needed
Tip: For privacy and security, do not email SSNs or sensitive document images. Use a secure portal for sensitive info.
Program-specific documents / notes
- Rates and underwriting vary widely by investor.
- Cash‑out and investment scenarios are program‑dependent.
- We can compare multiple investors to find a fit.
Questions? Call (530) 238-5739 or email [email protected].