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Florida Jumbo Fixed and Arm Mortgage Lenders

The Program Guidelines supplement Florida jumbo mortgage lenders underwriting guidelines. Refer to the Conventional UnderwritinGuidelines for any information not specified in the Program Guidelines.

 

 

Florida mortgage lenders jumbo program offers 15 and 30 year fixed rate and 5/1, 7/1, and 10/1 hybrid ARM fully amortized loans for nonconforming loan amounts up to a maximum of $2.5 million. The minimum loan amount is $417,001 or $1 above the conforming limit for the number of units.

 

All Elite Jumbo loans must be Qualified Mortgages (QM) and within the QM Safe Harbor. Elite Jumbo loans that are not QM or that are QM with Rebuttable Presumption are not eligible.

 FLORIDA ELITE JUMBO

Primary Jumbo Residence FIXED RATE & ARM Purchase

 

Property Type

 

LTV

 

CLTV

 

Credit Score

 

Loan Amount

Max DTI

Fixed

ARM


 

1-Unit PUD Condo Co-op

70%

70%

700

$1,000,000

43%

40%

80%

80%

720

$1,500,000

43%

40%

75%

75%

720

$2,000,000

43%

40%

70%

70%

720

$2,500,000 *

43%

40%

 

2 Units

65%

65%

700

$1,000,000

43%

40%

60%

60%

720

$1,500,000

43%

40%

Primary Residence FIXED RATE & ARM Rate/Term Refinance

 

Property Type

 

LTV

 

CLTV

 

Credit Score

 

Loan Amount

      Max DTI      

Fixed

ARM

 

1-Unit PUD Condo Co-op

80%

80%

720

$1,000,000

43%

40%

70%

70%

700

$1,000,000

43%

40%

75%

75%

720

$1,500,000

43%

40%

70%

70%

720

$2,000,000

43%

40%

60%

60%

720

$2,500,000 *

43%

40%

 

2 Units

65%

65%

700

$1,000,000

43%

40%

60%

60%

720

$1,500,000

43%

40%

 

Primary Residence FIXED RATE & ARM CashOut Refinance

 

Property Type

 

LTV

 

CLTV

Credit

Score

 

Loan Amount

Max

CashOut

      Max DTI      

Fixed

ARM

 

1-Unit PUD Condo Co-op

70%

70%

720

$1,000,000

 

Refer to the Max Cash-out table below

43%

40%

65%

65%

700

$1,000,000

43%

40%

65%

65%

720

$1,500,000

43%

40%

60%

60%

720

$2,000,000

43%

40%

50%

50%

720

$2,500,000 *

43%

40%

 

Primary Residence FIXED RATE & ARM Maximum Cash-Out

 

Property Type

 

LTV

 

CLTV

 

Credit Score

Max

CashOut

 

1-Unit PUD Condo Co-op

70%

70%

720

$250,000

65%

65%

700

$250,000

65%

65%

720

$500,000

50%

50%

720

$750,000

 

Second Home FIXED RATE & ARM Purchase and Rate/Term Refinance

 

Property Type

 

LTV

 

CLTV

 

Credit Score

 

Loan Amount

      Max DTI      

Fixed

ARM

1-Unit

PUD

75%

75%

720

$1,000,000

43%

40%

70%

70%

720

$1,500,000

43%

40%

 

 

FHA Mortgage Lenders By State: 
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