VA Jumbo Loans Up To $3+ Million At 100%
You’re Ready To Go Big, and So Are We! Ask Us How Well-Qualified Borrowers can Access Up To $50,000 Extra Before or After Closing To use Those Funds As you Wish.
As a Veteran-owned bank, the 4th largest VA Lender in the country, Offering Loans The Top Lenders Aren’t, you bet we’re changing the game for Veterans across the country!
Exclusive options not seen elsewhere are available for our customers and Veterans in the Jumbo market, allowing you to Build, Buy, Refinance, or Renovate your home with less headache, faster closing times, and in-house committee exceptions you won’t find in the broker world.
In one single application, you can have our banker approve you for multiple programs to make your choice more powerful than our competition.
By offering up to *$50,000 extra before or at closing should you wish to take extra funds on our consumer loans at the same time or need real estate agent assistance in your local market. We are offering our jumbo customers up to thousands back as a closing cost credit from their selected agent’s commissions when they buy or sell a home or land!
The power of using a VA Loan on your next purchase or refinance doesn’t stop at the traditional county loan limits, which for a majority of the country is $766,550 as of 2024. We can go over the allotted amounts, finance up to $3+ million or higher, and obtain truly competitive VA jumbo loan rates with a few caveats. Credit scores, debt ratios, income, and full VA eligibility must meet the required thresholds.
First, look at the benefits of using the VA Jumbo Loans versus Conventional Jumbo Loans.
NO MORTGAGE INSURANCE:
Putting less than 20% down on jumbo loans can carry costly monthly mortgage insurance additions to your payment. Using the VA Jumbo loan will save hundreds to thousands per year.
UNDERWRITTEN & CLOSED IN-HOUSE:
We’re a 50-state mortgage bank with no lending restrictions in other states, so if you’re buying or relocating out of state, we can help make the transition smooth. Our underwriters allow us to close faster than mortgage brokers, who must send their loans to other banks and third-party processing centers. We are the bank.
CREDIT SCORES ALLOWED DOWN TO 620 FICO:
VA Jumbo Loans allow for lighter credit score requirements, whereas conventional jumbo loans typically require credit scores over 740.
MINIMAL OR NO RATE ADJUSTMENT FOR LOAN AMOUNT:
Typically, lenders will add on significant interest rate adjustments, sometimes over .500 – 1.000% of the average rate for buying a larger-priced home. Depending on your score and loan amount, VA Jumbo Loans may not carry this rate adjustment. The VA Jumbo Loan is priced fairly more competitively across the board than any conventional Jumbo Loan product.
LOWER DOWN PAYMENT REQUIREMENT THAN CONVENTIONAL JUMBO LOANS:
When choosing to acquire a Jumbo Property Loan through the VA and going higher than the VA County Loan Limits, we use a calculation to calculate how much of a down payment you will be required to make. The required down payment is almost always lower than 20% or more required by Conventional and Super Jumbo Lenders. You’ll not only save on your down payment, but you could also save on your VA Jumbo Loan Rates. Current VA Jumbo Loan Rates are usually more competitive than Conventional Jumbo Lenders.
What Are Current VA Jumbo Loan Rates?
Rates change daily depending upon market conditions, and if you’ve been watching the news, you may know they have gone utterly haywire with multiple movements a day. While you can search online and see banks offering low rates, you may not believe exist; many factors are not included in this pricing. Don’t be fooled by teaser rates at super low loan-to-values; read the fine print or ask one of our bankers for a full quote.
Most lenders show rates that are not available without paying points or having a truly high score. They do this to try to pull you in without disclosing that points are being charged until you are almost ready to close your loan. This is a trick we don’t participate in.
Factors such as credit score, loan amount, loan to value, down payment, equity position, property type (condo, manufactured home, multi-family, or single-family), credit criteria, and time in property are just some factors that can impact Current VA Jumbo Loan Rates. We often find rates published online are sometimes grossly lower than the actual rates for each scenario because they haven’t been updated in months.
When searching for Current VA Jumbo Loan Rates, many of our clients are misquoted by online systems and applications. Not getting the most accurate rate could hinder your loan closing. You could get quoted too high of a rate and miss out on affording a larger home with extra features, and if you’re quoted too low and not locked in at what they quoted, you could be disqualified if the payment goes up beyond your qualified allotment.
Either way, we make transparency a cornerstone in all conversations and transactions.
No system is accurate enough online without discussing the details, and we’re here to take your call and provide the confidence you need when completing your jumbo loan. Our transparency with clients is the key to our closing success; we’re confident you agree this holds in all areas of life as well!
Call us to speak directly to our Top Rated® National Bankers, or complete this eligibility request. We’ll provide the most accurate and current VA Jumbo Loan Rates available based on the information you provide and pre-approve you quickly.
As Seen In
5 Star USDA Lender Reviews That WOW!
Richie, OK... so you've officially done something I've never seen in 22+ years selling real estate. Closed a VA Loan on 224 Acres, with a Manufactured Home. CONGRATULATIONS! and THANK YOU!!! Admittedly, I was skeptical (more like pessimistic) when James told me you were going to get this VA Loan completed. And I had many doubts along the way, because I'd seen so many VA Lenders fall flat on their faces, just before the Closing. BUT... You got the Job DONE! Occasionally, I find someone out there who has done an Outstanding Job, helping my Clients... and You are one of these! I'm now officially a FAN of You and Your Work. I would be honored to promote you and your services to other Agents within our company, and I intend to do so. I will call you when I've caught up on my work a bit... and learn more about how I can do my job better on the next VA transaction. ~Tom K. Realtor
How Much Do You Qualify For? …We Start At Your Max!
If You Have A Better Offer, We’ll Tell Ya, Not Hard Sell Ya!
We have over 25 years of working as a team helping current and future homeowners find the most competitive fixed-rate VA mortgage loans while navigating challenging economic instability. We promise never to spam you, sell your information, bombard you with robocalls, or provide anything but a clear, transparent conversation from start to close! It all begins here!
TOUGH JUMBO LOANS DON'T SCARE US
100% VA One-Time Close Construction, Purchase, Cash-Out & Debt Consolidation, Renovation & Rehab, Jumbo, & VA Manufactured Home Loans Nationwide.
Aside from VA Home Loans, we offer so many options. From Construction To Bridge Loans, Down Payment Assistance Programs, Doctor Loans, Veterinarian Loans, Nurse Practitioner Loans, First Responder Loans, Foreign National, ITIN, and Extensive Renovation Projects, even Manufactured Homes, each loan is as unique as the home! Treating our customers with extreme care and attention to detail, we can’t wait to serve you. We’re solution-oriented, efficiency-motivated, and highly skilled bankers working for you; let us help you today!