Jumbo Financing Options: Interest-Only & Fixed-Rate Loans
At Crestico Funding, we specialize in delivering refined lending strategies designed for affluent borrowers. Our signature method, known as Personalized Lending, is tailored to navigate the financial intricacies of our clients.
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Jumbo Loan Financing
Think Bigger. Borrow Smarter.
When your dream home or investment property exceeds conventional loan limits, Crestico’s Jumbo Loan Programs offer the high-value financing you need—without sacrificing flexibility, speed, or personal service.
Designed for high-net-worth borrowers or those purchasing in competitive markets, Jumbo loans provide the capital required for luxury homes, multi-million dollar investments, or properties in high-cost areas.
Jumbo & Specialized Interest-Only Loan Programs
Crestico offers a diverse portfolio of interest-only lending solutions designed for clients who need flexible payment structures and wish to manage their principal reduction at their own pace—ideal for those with fluctuating income or complex financial profiles.
Program Highlights:
- Interest-Only Jumbo ARMs & Fixed-Rate Loans: Finance up to $25 million with as little as 20% down. Options include co-signers and cross-collateralized properties for enhanced borrowing power.
- Tailored Lending for Affluent Clients: Customized loan structures accommodate title vesting in entities such as LLCs and irrevocable trusts—perfect for high-net-worth individuals.
- High-Leverage Financing Options: Benefit from interest-only programs supporting 1031 exchanges and second homes, with loan-to-value ratios up to 80%.
- Specialized Underwriting Solutions: We evaluate a wide range of financial scenarios, including discounting net operating losses (NOLs), recognizing short-term rental income, accepting one-year tax return documentation, and assessing non-publicly traded assets. Restricted stock units (RSUs) may also be considered as qualifying income or assets.
Jumbo Loans with Just 5–15% Down
Crestico Funding offers low down payment jumbo loan solutions, making it easier for qualified buyers to enter the high-value real estate market—even without substantial liquid reserves. Ideal for primary residences or investment properties, our programs combine accessibility with flexibility.
Program Highlights:
- Low Down Payment Jumbo Loans: Finance up to $1.5 million with just 5% down, or up to $3 million with 10% down—available through select portfolio lenders offering competitive rates and flexible terms. (Mortgage insurance may apply.)
- Diverse Lending Network: Leverage Crestico’s relationships with a wide array of lending institutions, including local credit unions, California regional banks, and top-tier national banks.
- Tailored Underwriting Solutions: Programs designed for complex financial scenarios, including true stated income, consideration of net operating losses (NOLs), and more.
- Strategic Financing for Unique Borrowers: Ideal for buyers without large liquid reserves, self-employed professionals, and high-income individuals seeking customized loan solutions.