Residential
Conforming Jumbo Mortgages
Dreaming of a larger home without sacrificing the advantages of a conforming loan? CMRE's Conforming Jumbo Mortgages offer the perfect solution, combining higher loan amounts with competitive rates, starting at 6.875%. Secure the financing you need for your dream home while enjoying streamlined processing and potentially lower costs.
Program Benefits
Higher loan amounts than standard conforming loans, allowing you to purchase more expensive properties.
Competitive interest rates, starting at 6.875%, for qualified borrowers.
Retain the benefits and protections associated with conforming loans.
Streamlined documentation and faster processing compared to non-conforming jumbo loans.
Available for primary residences, second homes, and investment properties.
Flexible loan terms to fit your individual financial needs.
Program Highlights
Max LTV
97%
Min Credit Score
620
Max DTI
45%
Loan Amount Range
$647,201+
Amortization Options
Eligible Properties
- Single Family
- Condo
- Townhouse
Program Requirements
Income Documentation
- •Stable and verifiable income history required.
- •Sufficient income to comfortably afford monthly mortgage payments and other debts.
- •Documentation such as pay stubs, W-2s, and tax returns may be required.
- •Self-employed borrowers may need to provide additional documentation.
Asset Verification
- •Sufficient assets for down payment, closing costs, and reserves.
- •Assets may include savings accounts, checking accounts, investment accounts, and retirement funds.
- •Reserves typically need to cover several months of mortgage payments.
- •Gift funds may be allowed with proper documentation.
Insurance & Title
- •Homeowner's insurance required to protect the property against damage or loss.
- •Mortgage insurance may be required depending on the loan-to-value ratio.
- •Flood insurance may be required if the property is located in a flood zone.
- •Proof of adequate insurance coverage is required prior to closing.
Property Requirements
- •Minimum FICO score of 620 required.
- •A strong credit history demonstrating responsible borrowing behavior.
- •Limited number of past delinquencies or collections.
- •Bankruptcy or foreclosure may impact eligibility.
Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Frequently Asked Questions
Conforming jumbo loans adhere to Fannie Mae and Freddie Mac guidelines, while non-conforming jumbo loans do not. This means conforming jumbo loans may have more favorable interest rates and streamlined processing, but they still have maximum loan limits.
The maximum loan amount varies depending on the location and year. Generally, it exceeds the standard conforming loan limit but is still capped. Contact CMRE for the specific limits in your area.
CMRE typically requires a minimum FICO score of 620 for conforming jumbo mortgages. However, a higher credit score may qualify you for more favorable interest rates.
The down payment requirements vary depending on the loan program and your individual circumstances. CMRE offers options with down payments as low as 3%.
Sam K.
Senior Loan Strategist
With over 15 years in the mortgage industry, Sam specializes in complex jumbo and non-qm financing solutions, helping clients navigate unique financial landscapes.
NMLS #12345 | Certified Mortgage Advisor (CMA)
TESTIMONIALS
Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
