Million Dollar Loans

Jumbo Loans Up to $5 Million

It is rare to find a bank that specializes in Million Dollar Home Loans. Bank of Internet USA does. We are proud to bring our highly efficient, customer-centered approach to this niche market. Our Mortgage Consultants are experts in customizing mortgages for homebuyers who require large loans to secure premium properties.

Mortgages $1 Million and Over

It pays to work with a bank that specializes in customizing large, non-conforming loan packages and offers extremely competitive mortgage rates. Bank of Internet USA offers benefits such as:

  • Experienced professionals who are intimately familiar with luxury home markets
  • Mortgage specialists who will guide you through every stage of the loan process
  • Loan underwriters who understand complex financial situations, including the circumstances of self-employed borrowers and fluctuating incomes
  • Both Fixed Rate and Adjustable Rate Mortgage (ARM) loans with Interest-Only Mortgage options
  • Unique programs for foreign nationals, asset utilization, pledged assets, and entity vesting

Call 1.888.546.2634 to speak to a knowledgeable Mortgage Consultant who will create a million-dollar loan that is just right for you.

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What is a Million Dollar Loan?

Often referred to as Jumbo Loans, these non-conforming mortgages don’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.

Bank of Internet USA has extensive experience in customizing Jumbo Loans, Super Jumbo Loans, and Portfolio Loans with highly competitive rates for amounts of up to $5,000,000, and even more under certain circumstances. We offer programs for asset utilization, foreign nationals, pledged assets, and entity vesting and welcome the opportunity to work with borrowers with complex loan scenarios.

Million Dollar Loan Highlights

  • Large Loan Amounts – We fund mortgages of up to $5 million, and even more under certain circumstances.
  • Flexible Terms – In addition to fixed rate loans, we also offer Adjustable Rate Mortgages (ARMs) with initial 5-, 7-, and 10-year fixed options.
  • Exception-Based Lending – We look for good reasons to approve qualified individuals for loans rather than dismissing entire groups of applicants based on arbitrarily strict qualifications.
  • Flexible Qualification Options – Our qualification options include Asset Utilization, which allows you to use your liquid assets to assist in meeting full doc debt-to-income ratio (DTI) requirements, and Pledged Assets, which allows you to finance up to 90% of a home’s value by pledging security assets or savings in lieu of a down payment.
  • Entity Vesting – You can vest the title of your property into an LLC, Trust, Partnership, or Sub S Corporation to structure or protect your assets.
  • Home Loans for Nonresident Aliens – We custom build mortgages to meet the unique needs of nonresident aliens.

If you want to borrow $1 million or more for a luxury home or other high-value property, the first step is to get in touch with one of our experienced Mortgage Consultants at 1‑888‑546‑2634 today.