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Super-Conforming Loan: Your Best
Home Loan Option?

If you're dreaming about a place located in a higher cost area, a super-conforming mortgage is available for loans over the maximum conforming loan amount of $453,100. If you need a loan above $453,100 and don't want to take on multiple mortgages, this mortgage typically offers lower interest rates than a jumbo for loan amounts up to $679,650 depending on the county.

Scroll down to learn more about super-conforming loans or talk to an expert, utilize our easy loan wizard to explore rates and payments or get approved now.

The Nuts And Bolts

The Nuts And Bolts

  • With fixed rates, your interest rate and monthly payment won't change over the life of the loan.
  • You can purchase a new home with as little as 5% down.
  • You can refinance up to 95% of your primary home's value.
  • Cash out refinance is permitted up to 80% of your primary home's value.
  • Credit a consideration? No problem – credit scores as low as 620 may qualify.
  • Sellers can help too! Up to 3% of seller contributions are allowed toward closing costs.

 

More Details And Specifics

More Details And Specifics

  • Super-Conforming Mortgages can be used to purchase or refinance a primary residence, second home or investment property.
  • Eligible properties include Single Family Residences, Planned Unit Developments (PUDs), Condos and Multi-Family (2-4) Units.
A Few Extras

A Few Extras

  • You have multiple mortgage insurance options for loans with less than 20% down payment or equity.
  • Want to tie things up quickly? Pay off your mortgage at any time without prepayment penalties.