Additional Products in the Jumbo Suite

J-Class W Jumbo

Key features:

  • LTV up to 85% for purchases
  • Loan amounts up to $3.0M
  • Available for wage earners only
  • 1-unit properties and PUDs
  • Fixed and ARMs available
  • Primary and second homes
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Two-X Easy Light Jumbo

Key features:

  • Quicker underwriting
  • DTIs up to 45%
  • DU underwrites: income, asset, reserves, and tradelines
  • Minimum loan amount $1 over conforming limit
  • Loan amounts up to $2.0M
  • All occupancy types
  • 1–4 units
  • No mortgage insurance

Two-X Easy Green Jumbo

Key features:

  • Cash out up to 89.99%
  • Eligible with existing solar and geothermal energy improvements
  • No overlays to existing guidelines
  • Existing green energy improvements permitted in appraised value

Two-X Easy Jumbo

Key features:

  • Tradelines based on DU findings
  • Reserves based on DU findings
  • Max LTV 89.99%
  • Less documentation to review
  • Faster closing
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J-Class R Jumbo

Key features:

  • 15, 20, 25, and 30-year terms available
  • 5/6, 7/6, and 10/6 ARMs
  • Minimum FICO score of 661 required
  • LTV > 85% MAX DTI 38%
  • Loan amounts up to $2.5M
  • All occupancy type for purchase and rate term cash-out on primary, second home, and investment properties
  • Up to $750,000 cash out
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J-Class J Jumbo

Key features:

  • LTV to 89.99%
  • Loan amounts up to $3.0M
  • Minimum FICO score of 680 required
  • DTI up to 43%
  • 15 and 30-year fixed, 5/6, 7/6, and 10/6 ARMs
  • Minimum loan amount $1 over county limit
  • Primary, second home, and investment properties
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