Non-Conforming Loans

If you are looking for a mortgage that can be customized to your exact needs, then a Non-Conforming Loan from Bank of Internet USA may be ideal for you. Non-Conforming Loans are not restricted by the lending limits and other conditions established by government agencies.

Non-Conforming Loan Benefits

A Non-Conforming Loan may be the best mortgage option in your particular case if you:

  • Require a Jumbo Loan: A is a mortgage that exceeds the lending limit established by Fannie Mae and Freddie Mac, which is $424,100 in most U.S. counties.
  • Are Shopping for a Higher-Priced Property: A can greatly exceed the lending limit, with amounts up to $5 million, and possibly more under certain circumstances.
  • Want More Flexibility: Both will be available to you.

Call 1.888.546.2634 to speak to a knowledgeable Bank of Internet USA Mortgage Consultant who will create a Non-Conforming Loan that is tailored just for you.

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What Is a Non-Conforming Loan?

A Non-Conforming Loan is a mortgage that does not meet the guidelines established by Fannie Mae and Freddie Mac. These government-sponsored enterprises, or GSEs, were created by Congress to purchase mortgages from lenders in order to promote liquidity, affordability, and stability in the home loan market.

Among the guidelines set forth by Fannie Mae and Freddie Mac is a lending limit for home loans, which is currently $424,100 in most U.S. counties. If a lender chooses to issue a mortgage for more than this amount, the GSEs will consider it non-conforming and therefore will not purchase it.

The Bank of Internet USA Advantage

Without the restrictions of GSE guidelines, the mortgage specialists of Bank of Internet USA have greater flexibility to tailor a mortgage solution that meets your unique financial needs. We offer competitive mortgage rates on a wide selection of Non-Conforming Loans, including and . Alternatively, if you currently have a Non-Conforming Adjustable Rate Mortgage, you may be able to save money in the long term by .

Ultimately, whether you’re considering or , you're placing your trust in experienced hands with Bank of Internet USA. As the premier Non-Conforming Mortgage lender in the nation, we have the resources and knowledge to pair you with precisely the right loan for your home financing needs.