Jumbo Loans

Mortgage Loans of Up to $5 Million

Bank of Internet USA offers Jumbo Loans of up to $5 Million and even more under certain circumstances, with highly competitive mortgage rates and flexible terms. If you are looking to purchase a luxury home or other high-priced property, our mortgage specialists can customize a Jumbo Loan solution that is just right for you.

Jumbo Loan Benefits

A Bank of Internet USA Jumbo Loan offers such benefits as:

  • Freedom from Lending Limits: Jumbo Loans are ideal for homebuyers who need to borrow more than $424,100, the lending limit for conforming loans in most counties in the United States.
  • Flexible Qualifications: Bank of Internet USA uses a common sense approach to underwriting – we want to approve your loan application.
  • Convenience: You'll benefit from the convenience of having one larger home loan rather than multiple smaller ones.
  • Variety: Bank of Internet USA offers a wide range of Jumbo Loan options to choose from, including , , and .

Another potential benefit of a Jumbo Loan is that the interest on the loan may be tax deductible on amounts up to $1 million*.

*Consult with your tax advisor

Call 1.888.546.2634 to speak to a knowledgeable who will customize a Jumbo Loan that is tailored to your precise needs.

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What Is a Jumbo Loan?

A Jumbo Loan is a mortgage that does not meet the guidelines established by Fannie Mae and Freddie Mac for . Fannie Mae and Freddie Mac are government sponsored enterprises (GSEs) that buy mortgages from lenders to promote liquidity and stability within the market. In most U.S. counties, a mortgage is considered a Jumbo Loan when it exceeds $424,100, the lending limit set forth by these GSEs. Mortgages that greatly exceed this limit are often classified as .

As a leader in mortgage lending, Bank of Internet USA offers low interest rates and flexible terms on Jumbo Loans to finance primary residences, second or vacation homes, and investment properties. A Jumbo Loan may also be right for you if you are looking to or into a single mortgage loan.

Low Jumbo Mortgage Rates

Interest rates remain historically low on Jumbo Loans, so now is a great time to lock in a low rate on a mortgage to finance the purchase of a new home or refinance your current mortgage.

Flexible Loan Qualifications

Of all the , Jumbo Loans offer among the most flexible qualification options, including:

  • Asset Utilization: You may use your liquid assets to assist you in meeting full doc debt-to-income (DTI) ratio requirements.
  • Pledged Assets: You may finance up to 90 percent of a home’s value by pledging security assets or savings in lieu of a down payment.

Jumbo Loan Services

As a Bank of Internet USA customer, you can expect to work with:

  • Loan underwriters who understand complex financial situations, including the circumstances of self-employed borrowers and the realities of fluctuating incomes, and are able to accordingly.
  • A team of mortgage specialists who make local and timely decisions.
  • A dedicated Mortgage Consultant who will guide you through every stage of the Jumbo Loan process.
  • Experienced professionals who are intimately familiar with luxury home markets.

We invite you to learn more about how Bank of Internet USA, in the nation, can help you . Please fill out the form directly below to obtain information about Jumbo Mortgage Loan rates and pricing or call one of our friendly Mortgage Consultants at 1.888.546.2634.