JUMBO MORTGAGE LOAN

Close your Seattle Jumbo Mortgage in 
15 Days

When it comes to jumbo home loans, you don't have room to mess around. Securing affordable financing will make or break the deal.

Seattle's Mortgage Broker has been in the business for 15+ years and is known around Seattle for closing fast.
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No additional assets required
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Only one appraisal
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Relaxed underwriting guidelines
Jumbo Mortgage Loan

We help Seattle home buyers get their jumbo loans faster

High Loan Limits for Luxury Home Financing

High Loan Limits for Luxury Home Financing

Fast Closings on Loans Over Conventional Limits

Fast Closings on Loans Over Conventional Limits

Flexible Options for Premium Property Purchases

Flexible Options for Premium Property Purchases

Jumbo Mortgage Loan

Need a bigger loan? Our Jumbo Mortgage Loans make it simple to finance high-end homes. Get competitive rates, flexible terms, and a fast closing process. Count on SMB for clear guidance and a smooth experience, from application to closing.

Jumbo Mortgage Loan

Seattle Jumbo Loan Products

Prime Jumbo 
(15 or 30 Year Fixed)

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Loan amounts up to $3M

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680+ FICO and up to 50% DTI

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Up to 89.99% LTV and no MI required

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Eligible on primary, second and investment properties for purchases, rate/term and cash-out refinances

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One appraisal required for purchases up to $3M and refinances up to $2M*

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Two appraisals from two different appraisers required for refinances over $2M*

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Loan amounts greater than $2M require 18 months of reserves in addition to any reserves required by AUS

*Up to $2,000,000 loan amount with 10.01% down payment so the purchase price would be $2,224,694.
*Up to $3,000,000 loan amount with 20% down so the purchase price would be $3,750,000.

Prime Jumbo ARMS 
(5,7, and 10 Year)

SMB's Elite program allows you to close quickly, with less effort.
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Loan amounts up to $3M

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680+ FICO and up to 50% DTI

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Up to 80% LTV

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Eligible on primary, second and investment properties for purchases, rate/term and cash-out refinances

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One appraisal required for purchase up to $3M and refinances up to $2M*

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Two appraisals from two different appraisers required for refinances over $2M*

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Loan amounts greater than $2M require 18 months of reserves in addition to any reserves required by AUS

Prime Jumbo Interest Only 
(30 Year Fixed)

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Loan amounts up to $3M

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700+ FICO and up to 43% DTI

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Up to 80% LTV

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10-year interest only, 20-year amortization period

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Eligible for primary and second homes for purchases and rate/term refinances

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One appraisal required for purchases up to $3M and refinances up to $2M*

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Two appraisals from two different appraisers required for refinances over $2M*

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Loan amounts up to $1M require 12 months of reserves in addition to any reserves required by AUS

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Loan amounts over $1M require 24 months of reserves in addition to any reserves required by AUS

Prime Jumbo Max 
(30 Year Fixed)

Loans up to 80% LTV
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Loan amounts up to $2.5M

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700+ FICO and up to 50% DTI

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Eligible for primary and second homes for purchases and rate/term and cash-out refinances

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One appraisal required for loans up to $2M*

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Two appraisals, from two different appraisal companies, required for loans over $2M*

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For primary purchase loans up to $2M – 12 months reserves required

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For second home loans over $2M – 18 months reserves required

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For primary cash out loans up to $1M – 12 months reserves required (up to $300,000 cash back)

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For primary and second home loans over $1M – 18 months reserves required (up to $300,000 cash back)

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For primary cash out loans between $1.501-$2M – 12 months reserves required (up to $500,000 cash back)

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For second home cash out loans between $1.501-$2M – 18 months reserves required (up to $500,000 cash back)

Loans with an LTV between 80.01-96.5%
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Loan amounts up to $1.5M

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720+ FICO and up to 40% DTI

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Eligible for primary purchases and rate/term refinances

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One appraisal required for loans up to $1M*

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Two appraisals from two different appraisers required for loans over $1M*

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For primary purchase loans up to $1.5M – 24 months reserves required

Bank Statement Loans 
(30 Year Fixed)

640+ FICO, with LTVs up to 90% and no MI required
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640+ FICO, with LTVs up to 90% and no MI required

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Loan amounts up to $3M

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Self-employed borrowers only

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Minimum 12 months of reserves required

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Minimum 12 months consecutive bank statements required

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Two appraisals from two different appraisers required for loans over $1.5M

Jumbo Elite

Give your Jumbo purchase the pricing and turn times it deserves! Jumbo Elite mortgages for Seattle Washington not only offer competitive pricing, but it also allows you to close in an impressive 21 days or less!
Program highlights include:
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Loan amounts up to $2 million

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Exclusive rate incentives for borrowers with 700+ FICO

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As little as 10% down

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Eligible for primary and second homes

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ARM and fixed-rate options available

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Same day closings with UClose

Jumbo Platinum Plus

SMB is proud to be one of the first in WA to offer a true low down option for your jumbo purchase needs. 
Shop with confidence knowing you can afford to buy the house of your dreams and still have money in the bank afterwards.
Program highlights include:
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10% down payment up to 1.5 million

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Scores as low as 720 FICO

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Can close in under 3 weeks

ARMS: 5, 7, and 10 Year

Conventional 5, 7, 
and 10 year

  • 700+ FICO, up to 80% LTV

  • Primary, second, and investment properties on purchase, rate/term and cash out refinance

  • $125,000 minimum loan amount

Conventional Elite 5, 7, 
and 10 year

  • 620+ FICO, up to 95% LTV

  • Primary, second, investment, purchase, rate/term and cash out refinance

  • Conventional Elite High Balance 5, 7, and 10 year

  • 700+ FICO, up to 80% LTV

  • Primary, second, and investment properties on purchase, rate/term and cash out refinance

  • Loan amounts from $125,000 up to county loan limit

Conventional High Balance 5, 7, and 10 year

  • 620+ FICO, up to 95% LTV

  • Primary, second, investment properties on purchase, rate/term refinance and cash out refinance

  • Loan amounts from $726,200 up to county loan limit*

*You can buy a million dollar home with as little as 5% down when purchasing in King, Pierce, or Snohomish counties.

Other Conventional Loan Products

Elite High Balance ARM

Are you a well qualified buyer looking for an ARM to accomodate higher a higher purchase price? The Elite High Balance 5/1 and 7/1 ARM products are great options.

  • 700 FICO

  • Up to 90% Loan to Value

  • Appraisal Waivers Honored

  • Underwrites to AUS findings

*You can buy a million dollar home with as little as 5% down when purchasing in King, Pierce, or Snohomish counties.

MI Buster

UWM’s exclusive product that eliminates monthly mortgage insurance on loans with a higher LTV.

  • Conventional 30-year fixed only; Flex Term not available

  • Available for primary and second home purchases and rate/term refinances

  • LTV between 80.01 and 89.99%

  • Up to 45% DTI

  • 680+ FICO

  • Loan amounts starting at $200,000

  • MI Buster High Balance available for loan amounts over the county loan limits

Homeone

Qualify more first-time homebuyers with this 3% down 
payment solution.

  • Purchases up to 97% LTV

  • No income restrictions

  • Available in all geographic locations

  • Eligible for single family homes, including townhouses and condos

  • At least one borrower must be a first time homebuyer

  • LPA only

  • Close most loans in 19 days or less by triggering the CD at initial underwrite

  • Available on single- and multi-wide, condos and PUDs for Manufactured Homes with LTV up to 95%

High Balance

Time is of the essence with every purchase. Don't waste time over-shopping, get the most competitive rate and close your High Balance loan in record time!

  • Loan amounts from $766,550 up to County Loan Limits*

  • Elite pricing available to top-tier clients

  • 640+ FICO

  • Property Inspection Waivers honored

  • Underwrites to AUS findings

*You can buy a million dollar home with as little as 5% down when purchasing in King, Pierce, or Snohomish counties.

Ultimate Advantage Blue

Ultimate Advantage Blue allows a one-time, up-front M.I. premium to eliminate the monthly Private Mortgage Insurance payment, while ensuring the the maximum credit to offset the closing fees. We help strengthen your purchase by giving you the best of both worlds.

  • Down payment as low as 3%

  • Use seller contributions to eliminate monthly 
mortgage insurance

  • Accommodate a low rate and payment while providing a premium credit to negate closing costs

  • Now you can qualify for the home of your dreams!

Flex Term

Customize the perfect loan for your family without reseting the mortgage clock! Flex Term provides you with flexible options to select your amortization term.

  • Available on most conventional products

  • Terms from 8-30 years available

Limited Review Condos

SMB makes your condo approval quick and easy with our limited review process. Files receiving a limited review response in AUS will only need a minimum evaluation by our investors condo department.

  • No condo questionnaire required

  • Terms from 8-30 years available

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Get Your Jumbo Mortgage Loan In Just 15 days