What is a Jumbo Mortgage?

Jumbo mortgages are home loans that exceed conventional lending limits (currently $647,200 but up to $970,800 in high-balance counties), or that don’t meet conventional lending guidelines. Across the nation, higher home values are making multi-million-dollar, super-jumbo loans the norm. Structuring and closing super jumbo mortgages requires specialized experience, and with our ability to close these loans in-house, we have the expertise to get it done seamlessly.

You need a jumbo mortgage mindset/approach if…

✓ A significant percentage of your income comes from Restricted Stock Units (RSUs)

✓ You want to work with a pragmatic mortgage adviser who will value you as an individual and work with you to achieve your investment goals

✓ You are self-employed, own a business, or hold shares of a corporation 

✓ You make a living investing in residential and commercial properties

✓ You own multiple properties and want personalized expert analysis on your real estate portfolio

✓ You have a unique income structure and want the ability to tackle many moving parts

Do you have an unusual scenario not listed here, or need a second opinion on your loan? Use this form and a mortgage banker will contact you to discuss your needs at a time that is convenient for you.

Your Super Jumbo Mortgage

Carlyle Financial is your jumbo mortgage expert, offering a large selection of jumbo and super-jumbo loan options. If you’re ready to talk about a customized loan option with a mortgage banker today, fill out this form or call us now.

We strategically utilize multiple lending channels: regional banks and credit unions, brokerage through wholesale, and direct lending as a mortgage bank. For clients with sophisticated financial investments, we provide a customized cash flow analysis. We examine complex income closely to maximize our clients’ buying power. Our strong relationships within the tech communities in San Francisco and Los Angeles have enabled us to help employees get loans using RSU income.

Your Interest-Only Jumbo Mortgage

Interest-only jumbo mortgages can be helpful if you prefer to keep your monthly payments low and wish to invest your savings by making regular larger payments to the principal on your schedule. If you choose to make interest-only payments, the interest rate you pay is fixed for 5, 7, or 10 years. Once the interest-only period ends, your mortgage switches to a traditional amortization structure over the remaining loan term.

You need an interest-only mindset/approach if…

✓ You want to use the money you save for other investments

✓ You plan to be in your home for only a short period of time

✓ You prefer to keep your monthly payments low for a period of time

✓ You have substantial equity in your property

✓ You earn a sizeable income or bonus from commissions and want to make larger, irregular payments to cut down on principal faster 

Carlyle Financial provides some of the industry’s best interest-only pricing and products because of our strong lending relationships. We know what it takes to get the deal done, and we will present options so you can select the right interest-only jumbo or super jumbo home loan for your needs. Contact us using this form or call us to discuss your plans.

Here’s just a few examples of the ways we’re able to help clients with jumbo and super jumbo home loans:

• Loans up to $15,000,000
• High debt-to-income ratio
• Cross-collateralization loan
• 1-year tax return program
• Unlimited cash-out
• Bank statement loans
• Interest-only payment option
• 40-year term
• Delayed purchase financing
• Asset depletion and utilization

Does your financial situation need special attention, or do you have mortgage needs not listed here? Use this form and a mortgage banker will contact you to discuss your needs at a time that is convenient for you.