Jumbo Loans

Mortgage Loans of Up to $5 Million

With highly competitive mortgage rates and flexible terms, Bank of Internet USA offers Jumbo Loans of up to $5 Million and even more under certain circumstances. 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 $453,100 - the lending limit for conforming loans in most counties in the United States.
  • Flexible Qualifications: We use 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: We offer a wide range of Jumbo Loan options including , , and .

Another potential benefit 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 doesn’t meet the guidelines established by Fannie Mae and Freddie Mac for conforming loans. 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 $453,100, the lending limit set forth by these GSEs. Mortgages that greatly exceed this limit are often classified as Super Jumbo Loans.

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. It may also be the right option when you’re looking to refinance your existing home loan or consolidate multiple mortgages 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.