Some of the best jumbo mortgage programs and rates in the greater Charlotte, North Carolina, area.
Jumbo loans exceed the conventional loan limit of $453,100. Typically, the qualification requirements are more stringent as far as credit score and down payment. We offer a wide variety of jumbo mortgages for both self-employed and W-2 workers.
Lowest down payment for jumbo mortgage
We offer jumbo mortgages with as little as a 10% down payment with no mortgage insurance requirement. If your jumbo mortgage requirement is not too jumbo, we can tailor a program with as little as a 5% down payment.
Jumbo mortgages for first-time home buyers
Yes, we offer jumbo mortgages to first-time home buyers. With a minimum credit score of 720, we offer jumbo mortgages up to $1 million.
Fast closings on jumbo mortgages
We offer the same fast closing time on our jumbo mortgages as we do on our other loan products. While the big banks could string you along for months, we process and close loans in as little as 10 days.
- Purchase, Rate-Term and Cash-Out Refinance Available
- Primary Residence, Second Homes and Investment Properties
- Loan Amounts up to $3,000,000*
- Up to 90% LTV with No Mortgage Insurance (primary residence)
- Get the Convenience of One Loan for the Entire Loan Amount
- 30-Year, 20-Year, and 15-Year Terms Available
- Interest Only Payment Options on jumbo mortgages
- Financing Options for FICO Scores greater than 680
- Gift Funds Allowed
- Up to 49.99% Debt-To-Income Ratios
- Foreign National** and Expatriate Loan programs for investment properties and Vacation Homes for all States On Q Financial Inc., lends in.
- Open to First Time Home Buyer
*Loan Amounts Vary by Occupancy Type and Loan-to-Value
**provided by an On Q Financial, Inc. business partner
Guidelines on Jumbo loans vary from program to program. Please contact me at 704-890-7168 at any time.