Jumbo Loans

Jumbo Loans

A jumbo loan is a home loan that exceeds the limit set by the Federal Housing Finance Agency (FHFA). Unlike conventional loans, jumbo loans are not secured by the government-sponsored enterprises Fannie Mae or Freddie Mac. Fannie and Freddie set conforming loan limits for mortgages. However, jumbo loans exceed this limit and are referred to as non-conforming loans or non-QM loans.

Our jumbo financing solutions were created for borrowers who are looking to maximize their buying power but with flexibility in how they do it, whether this means having a higher DTI or needing an alternate way to document their income.

Our jumbo products include Jumbo 1st and 2nd—APM’s specialty product, and 11 delegated jumbo solutions with several delegated up to $3 million. We also have jumbo loans for ITIN foreign national borrowers up to $6 million with fixed, ARM, and interest-only loan options and flexible qualifying guidelines.

At APM, we have our own in-house Jumbo Lending Team, and we are the leading experts in jumbo loan products.

Jumbo Loan Benefits:

  • Loan amounts up to $3,000,000
  • Fixed rates, adjustable rates, and interest-only options
  • Primary, second, and investment property options
  • Jumbo 1st and 2nd loan combos
  • Credit and income qualifying flexibility


Contact Us

119 East Main Street
Visalia, CA 93291

NMLS #1842388


Brendan John Farrell
NMLS #294123
Licensed in CA


© 2021 American Pacific Mortgage Corporation. For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity. NMLS# 1850
Licensed by the Dept. of Business Oversight under the CRMLA