Manual Underwrite Super Jumbo Mortgage

Super Jumbo Non-Conventional Mortgage Loan Program | Flexibility | Freedom | Buying Power

mortgage financing freedom ability to purchase a home or expand your real estate portfolio manually underwritten home loan program and can be for anyone with either an overall credit profile deficientcy or high compensating factors such as liquid reserves and equity position, Real Estate Owned (REO) portfolio.

We have originated and closed this loan program with > 60% debt-to-income ratio (DTI).

Manual underwriting is not just a Non-Prime opportunity or Near-Prime "non-angency" program alternative. Non-Agency, "a-paper fall out" solutions Super Jumbo loans with loan sizes of up to $30,000,000. Depending on the scope of the loan, final approval may require upper management signature or loan commitee approval.

Portfolio Jumbo lenders can underwrite their loans inhouse retaing control of the file, application to funding all under 1 roof.

This loan program is similar to Hard Money because of the flexible and equity-based guidelines but also can come with pricing very reasonable, possible cocessions not included.

Alt-A loan program or a Prime Portfolio lender

It's been described as an Alt-A loan program or a Prime Portfolio lender lender niche "specialty programs". It is also similar to an Asset Depletion loan.

Why? she had a lot of equity in her newly acquired rental properties.

We were able to utilize her rental income from properties as new income, ownership seasoning not required. Conventional lenders require 2 years ownership seasoning before they will qualify as income.

There are always compensating factors.

See Jumbo Loan guideline highlights below. Call us to get prequalified


  • No employment history OK

Maximum loan amount:

  • $2,000,000

Loan purpose:

  • Purchase

  • Refinance

  • Cash Out Refinance

Maximum LTV Loan-to-Value:

  • 75%

Credit score:

  • 620 minimum, exceptions made with compensating factors

Maximum DTI:

Debt-to-Income ratio:

60% or higher, typically derived from liquid assets


  • Owner Occupied / primary

  • Owner Occupied multi-unit

  • Non-Owner Occupied / Investment property

Property Types:

  • Single Family Residence SFR

  • Condo

  • Duplex

  • Triplex

  • 1-4 Unit

Available terms:

5 Year ARM

7 Year ARM

10 Year ARM

Interest Only payment option available on all terms

Underwriter Notes:

Can utilize rental income to strengthen file, ownership seasoning not required.

Can use real estate equity to meet liquid reserve requirements.

Liquid assets documented with just 2 months account statements and will be verified by third-party.

Foreign Nationals OK:

Foreign bank accounts for reserves- OK

Foreign credit score / Fico accepted

Business Legal Entity:

OK for purchase transactions, requires corporation ID number

No defined credit score / FICO score requirements

Credit Criteria:

No Seasoning requirements for foreclosure, short sale or bankruptcy

Close in as little as 9 Days



Alabama, Arizona, California, Colorado, Delaware, Florid, Georgia, Hawaii, Illinois, Rhode Island, South Carolina, Tennessee, Texas, Vermont, Virginia, Washington, and Wisconsin

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