Residential
Non-Conforming Jumbo Mortgages
Dreaming of a luxury home but find yourself outside the limits of conventional financing? CMRE's Non-Conforming Jumbo Mortgages offer a solution for high-value properties, even with unique financial circumstances. With rates starting at 6.875%, we can help you achieve your real estate aspirations.
Program Benefits
Financing for loan amounts exceeding conventional limits.
More flexible qualification criteria compared to conforming loans.
Competitive interest rates, starting at 6.875%, for well-qualified borrowers.
Options for borrowers with higher debt-to-income ratios.
Ideal for self-employed individuals or those with complex income streams.
Purchase or refinance a primary residence, second home, or investment property.
Program Highlights
Max LTV
97%
Min Credit Score
620
Max DTI
55%
Loan Amount Range
$417,001 - $3,000,000+
Amortization Options
Eligible Properties
- Single Family
- Condo
- Townhouse
- Multi-Family (1-4 Units)
Program Requirements
Income Documentation
- •Verification of stable and sufficient income.
- •Documentation may include tax returns, pay stubs, and bank statements.
- •Self-employed borrowers may require additional documentation.
- •Demonstrated ability to repay the loan.
Asset Verification
- •Verification of sufficient assets to cover down payment, closing costs, and reserves.
- •Acceptable assets include savings accounts, investment accounts, and retirement funds.
- •Reserves typically required to cover several months of mortgage payments.
- •Gift funds may be considered with proper documentation.
Insurance & Title
- •Homeowners insurance policy to protect the property against damage.
- •Flood insurance may be required if the property is located in a flood zone.
- •Title insurance to protect against title defects or encumbrances.
- •Hazard Insurance is a must.
Property Requirements
- •Minimum FICO score of 620.
- •Review of credit history to assess creditworthiness.
- •Consideration of payment history and outstanding debt.
- •Recent bankruptcies or foreclosures may affect 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
A jumbo loan is a mortgage that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. These limits vary depending on the location.
Non-conforming jumbo loans offer higher loan amounts and more flexible qualification criteria compared to conforming loans.
CMRE requires a minimum FICO score of 620 for Non-Conforming Jumbo Mortgages.
CMRE offers Non-Conforming Jumbo Mortgages with a maximum LTV of 97%.
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."
