Jumbo Home Loan Qualifications


These are loan amounts for a single-family home,  exceeding the conforming loan limits.  The
larger loan amount is why they are often referred to as non-conforming loans. These loans are available for primary, vacation, and investment properties. 
 In addition, there are many alternative jumbo home loan programs to fit your unique needs.   


Standard Jumbo

Underwriting guidelines for a jumbo home loan are determined by the individual lender rather than the agencies of Fannie Mae and Freddie Mac. As a result, guidelines vary from lender to lender.   CharterStone Mortgage has access to jumbo loan programs with fewer documents and reserve requirements needed than most other lenders. The process is simple and fast, and we can close within two weeks. Not to mention, our rates are super competitive.   


  • Multiple programs to fit your financial situation
  • Fewer documents to send 
  • No or low amount of reserves needed.
  • Highly competitive rates
  • Fasts closings
  • Superior service and outstanding consumer experience

Flexible Jumbo Home Loans

Alternate programs are designed for the borrower that does not fit the traditional jumbo home loan programs. Visit the alternate credit and income page for more options.

  • Lower credit Scores allowed 
  • Bank Statements as income programs 
  • Investment Loan Programs 
  • No Income verification loans for investment properties 
  • DSCR Loan Programs for Investment property 

 Information and programs are subject to change without notice. All applicants are subject to credit approval. Not all applicants are approved. CharterStone Mortgage is not affiliated with any government agency     

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