Jumbo Loan – Conventional

How Successful Property Owners Are Beating the System with Competitive Jumbo Loan Rates

Unlock the Door to Your Dream Property: Get Competitive Rates, Flexible Terms, and Navigate the Higher Down Payment and Stringent Guidelines with Confidence. We're Here to Make Your Journey to Luxury Homeownership as Smooth as Possible.

620

Minimum Credit Score

45%

Maximum Debt To Income

90%

Maximum Loan To Value

$50 Million

Maximum Loan Amount

With 1 Application,130 Mortgage Lenders Will Compete For Your Business

Unlock unparalleled opportunities with a single application. Dive into a competitive marketplace where 130 top-tier mortgage lenders vie to offer you the best terms, ensuring you get the deal you deserve. It’s not just about choice; it’s about empowering you with the best options available.

🔒Does not Affect Credit. No SSN until you’re ready.

Embarking on the journey of securing a jumbo loan can be daunting due to the significant loan amounts and stringent underwriting requirements involved. However, with Lightning Loans by Innovative Mortgage, you gain a partner dedicated to navigating this complex terrain with ease and precision.

Jumbo Loans with Lightning Loans by Innovative Mortgage:

A Wealth of Options:

Our unique position as both a lender and a broker empowers us with access to over 100 sources of capital, ensuring that we can offer the most competitive and suitable jumbo loan options for your specific financial scenario. With a commitment to personalized service, we tirelessly shop various lenders to find the ideal match for your needs.

Customized Solutions:

Whether you’re purchasing a high-value property or refinancing an existing home, we understand that every client’s situation is unique. That’s why our team works closely with you to tailor a jumbo loan that may offer:

Lower Down Payments: Enjoy the flexibility of potentially lower down payment requirements, making it easier to secure your dream home.
Reduced Monthly Payments: Our expansive network allows us to pinpoint financing options that could lead to lower monthly payments.
Adaptability: We can accommodate a range of credit profiles, asset types, and income levels, ensuring that we cater to a diverse clientele.

Client-Centric Approach:

At Lightning Loans by Innovative Mortgage, it’s all about you. By combining the resources of a direct lender with the versatility of a broker, we focus all our attention on delivering exceptional service and outcomes for our clients. Our goal is to simplify the jumbo loan process, removing any obstacles that stand between you and your high-value investment.

Embark on Your Jumbo Loan Journey:

Ready to explore jumbo loan options that are as ambitious as your real estate aspirations? Contact Lightning Loans by Innovative Mortgage today to start a conversation about your jumbo financing needs. We’re here to provide expert guidance and support every step of the way, ensuring you receive a jumbo loan that aligns perfectly with your financial landscape.

Reach out to us and let’s secure your jumbo loan with confidence and clarity.

Advantages of Leveraging Jumbo Loan – Conventional Financing

Unlocking High-Value Possibilities

Break free from the bounds of conforming loan limits and open the door to luxury properties. This isn't just financing, it's your ticket to a grander lifestyle.

Defy the Odds with Competitive Rates

Don't let the size of the loan deter you. Our competitive rates ensure that you get the best value for your money, making your dream property more attainable.

Tailor-made for Your Financial Journey

ife isn't one-size-fits-all, and neither are our loan terms. Choose from a range of options to fit your unique financial trajectory.

Cons of Jumbo Loan Conventional Financing

A Higher Step Towards Ownership

Every investment requires commitment. A larger down payment is your stake in the property, your sign of serious intent. It's a higher step, but one that leads towards a rewarding view.

Navigating the Tighter Corners

Expect a more detailed route with stricter credit requirements and underwriting guidelines. It's a narrower path, but with our guidance, you'll maneuver it confidently.

Key Issues That Will Get Early Attention

Finding Your Best Fit

Is a Jumbo Loan right for you? Let's explore together, evaluating your financial situation and aligning it with the best financing options.

Decoding Down Payments

Understand the implications of a larger down payment. We'll help you dissect the numbers and see what it means for your financial plan.

Demystifying Credit Requirements

Credit score puzzles? We'll help you put the pieces together and understand the credit requirements for a Jumbo Loan

Smoothing Out the Underwriting Process

Underwriting can seem daunting, but we're here to guide you through the process, making your journey to property ownership smoother.

We're Simply Better and Not Just on Price...

We Have More Lenders and More Loan Programs

Diverse Choices, Tailored for You: With a vast array of lenders and loan programs, we ensure a perfect fit for your unique financial needs.

Our Loyalty is To YOU not the lender

Your Interests, Our Priority: Our commitment is to you, not the lenders, ensuring unbiased and dedicated support throughout your mortgage journey.

Non QM, Convert to Cash and Flexible Funding Options Available

Flexible, Innovative Financing: Explore Non-QM loans, easy cash conversion options, and flexible funding solutions tailored for your financial freedom.

🔒No Credit Pull, No Obligation.

Compare For Yourself

Explore the difference that sets us apart in the financial world. See how our innovative services and unmatched benefits distinguish us from the competition, ensuring you make an informed choice.

Lightning Loans

Local Bank Branch

Big Name Online Lenders

Shops Hundreds of Lenders

Scans Thousands of Programs To Find You The Best Available

Is Loyal to Borrowers and Not Lenders

Has Multiple No Tax Return Mortgage Options

Can Show You Conventional and Non QM Options

Multiple 100% Financing Options for First Time Home Buyers

Can Do Hard Money, Bridge Financing and Other Unique Funding Types

🔒No Credit Pull, No Obligation.

You need a tenacious loan officer who has obsessively over-prepared and knows every single trick in the book to secure the ideal mortgage for your unique situation

And that is exactly what you'll find when working with me…

Read What Our Happy Clients Have to Say

Don't Wait, Secure Your Perfect Mortgage Today

"Andres is dependable, reliable and productive to the highest degree. His services will be required by our company in the future, and unequivocally we will be contracting him."

"A true example of a multitasking 24/7 powerhouse with no deal is too small attitude coupled with creative thinking and always open mind!!!"

"Lightning Loans made the mortgage process so easy and stress-free. Their team is knowledgeable and dedicated to providing tailored solutions for each client. I highly recommend them." -

1. Unparalleled Access to Mortgage Options With a Single Application

With a single application, we’ll comparison shop thousands of loan programs across hundreds of lenders.

This includes conventional loans at 130 different sources, FHA loans at 130 different sources, and even bank statement or no tax return options. If a mortgage product exists, we have access to it.

No more wondering if you’re getting the best deal – we’ll make sure of it.

2. Expert Guidance and Outstanding Communication

With over two decades of experience working with clients, I’ve developed a keen sense of what my clients need and when they need it.

It’s almost like having a psychic connection!

I pride myself on putting my clients first and providing outstanding communication throughout the entire mortgage process.

3. A Faster, Easier Path to Perfect Mortgage Loans For Your Specific Situation

Say goodbye to the headaches and hassles of traditional mortgage processes.

With Lightning Loans, you’ll enjoy a streamlined, efficient journey that gets you to your goals faster and with less stress.

You’ve got enough to worry about, let us put your mind at ease with regard to your mortgage financing.

We only request the things that are absolutely necessary

4. The Peace of Mind Knowing You've Made the Right Choice Because You've Seen ALL Your Options

When you work with Lightning Loans, you’re not just getting a mortgage –

You’re getting a partner who is committed to your success.

We’ll go above and beyond to ensure that you’ve made the best possible choice for your unique situation.

These might just seem like words on a page but one conversation with us and it will be abudantly clear to we walk our talk.

Experts at your service.

Meet the experts committed to providing you with exceptional financial solutions

Andres Garcia

Loan Officer

Dedicated, high energy real estate expert that is adept at working with investors and traditional borrowers.

Your Contact

Andrew Kashella

Senior Vice President

Mortgage Industry veteran responsible for thousands of loan originations and billions in closings.

Bryan P. Ehrlich

CEO/General Counsel

Founder, Juris Doctor and Lead Counsel for Innovative Mortgage Services.