Ħarsa ġenerali sħiħa tad-Dok Jumbo
Dok sħiħ JumboL-ammont tas-self jaqbeż il-limiti għal self konformi konvenzjonali.
Rata:GĦAFAS HAWN
Punti Sħiħ tal-Programm Doc Jumbo
Prim 30 Yrs Fiss & 10/6 ARM
1) Max.LTV 80% għax-xiri;Max.LTV 70% għal C/O;
2) Max.Ammont tas-Self $3.0M;
3) Min.12-il xahar riżervi fuq PITIA;
4) Min.FICO 720.
Estiża 30 Yrs Fiss
1) Self Amt $ 400K ~ $ 4.0M
2) DTI massimu sa 50%
Elite Jumbo (5/6 ARM, 7/6 ARM) * Dan il-programm huwa bl-imnut biss.
Depożitu bl-Imgħax.Aktar Depożitu, Rata Inferjuri!
Id-depożiti huma għal CD ta' 12-il xahar (għandu jinżammu f'kont indikat mill-AAA).
L-imgħax ivarja skond id-data tal-ftuħ.Ir-rata kienet 4.25% fit-12/08/2023.
Id-depożitu minimu huwa20%tal-ammont tas-self.
1) Max.Ammont tas-Self $4.0M
2) Max.DTI 45%
3) Min.FICO 700
GĦAFAS HAWNbiex tikseb limiti LTV & FICO u aktar dettalji fuq il-Matriċi.
Jumbo Flyer
Aħbarijiet u Vidjows
Self Jumbo Elite: Fejn il-Lussu Jilħaq l-Affordabbiltà
Navigazzjoni ta' Self Jumbo Doc Sħiħ: Gwida Real-Dinja għal Xerrejja b'Punteġġi FICO Baxxi➡Video
L-Immassimizzar tal-Investiment fil-Proprjetà Immobbli b'Self Jumbo Doc Sħiħ: Lenti fuq Condos Fissi u Mhux Garantibbli ta' 30 Sena Mhux tal-Aġenzija➡Video
Navigazzjoni ta' Self Jumbo Doc Sħiħ: Ir-Rwol Kritiku tal-Ġestjoni tal-Ħlasijiet Tard tal-Ipoteki➡Video
X'inhu Jumbo Loan?
Self jumbo huwa tip ta’ finanzjament li jaqbeż il-limiti stabbiliti mill-Aġenzija Federali tal-Finanzi tad-Djar u ma jistax jinxtara, jiġi garantit, jew titolizzat minn Fannie Mae jew Freddie Mac.Is-sidien tad-dar għandhom jgħaddu minn rekwiżiti ta’ kreditu aktar rigorużi minn dawk li japplikaw għal self konvenzjonali.Self Jumbo jippermettilek tixtri proprjetajiet għaljin.Self jumbo mhuwiex sostnut minn Fannie Mae jew Freddie Mac.
Fl-2024, l-FHFA ittejjeb il-limiti tas-self għal kull tip ta’ self, speċjalment Jumbo Loans.Jekk jogħġbok irreferi għal taħt il-limiti tas-self tal-2024 f'Kalifornja.
Limiti tas-Self tal-2024 fil-Kontej tal-Kalifornja
| KONTEJA | 1-Limitu tal-Unità | 2-Limitu tal-Unità | 3-Limitu tal-Unità | 4-Limitu tal-Unità |
| ALAMEDA | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| ALPINA | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| AMADOR | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BUTTE | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CALAVERAS | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| COLUSA | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| KONTRA COSTA | $1,149,825 | $1,472,250 | $1,186,350 | $2,211,600 |
| DEL NORTE | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| EL DORADO | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| FRESNO | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| GLENN | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HUMBOLDT | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| IMPERJALI | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| INYO | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| KERN | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SLAJN | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LAG | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LASSEN | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LOS ANGELES | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| MADERA | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MARIN | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| MARIPOSA | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MENDOCINO | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MERĊED | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MODOC | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MONO | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MONTEREY | $920,000 | $1,177,750 | $1,423,650 | $1,769,250 |
| NAPA | $1,017,750 | $1,302,900 | $1,574,900 | $1,957,250 |
| NEVADA | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LARANĠĠ | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| PLACER | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| PLUMI | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| XEBLA | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SACRAMENTO | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SAN BENITO | $1,149,825 | $1,472,250 | $1,779,525ċ | $2,211,600 |
| SAN BERNARDINO | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SAN DIEGO | $1,006,250 | $1,288,200 | $1,557,150 | $1,935,150 |
| SAN FRANCISCO | $1,149,825 | $1,472,250 | $1,779,525 | $1,867,275 |
| SAN ĠWAWKWI | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SAN LUIS OBISPO | $929,200 | $1,189,550 | $1,437,900 | $1,786,950 |
| SAN MATEO | $1,149,825 | $1,394,775 | $1,779,525 | $2,211,600 |
| SANTA BARBARA | $838,350 | $1,073,250 | $1,297,300 | $1,612,250 |
| SANTA KLARA | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| SANTA CRUZ | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| SHASTA | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SIERRA | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SISKIYOU | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SOLANO | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SONOMA | $877,450 | $1,123,300 | $1,357,800 | $1,687,450 |
| STANISLAUS | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SUTTER | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| TEHAMA | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| TRINITÀ | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| TULARE | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| TUOLUMNE | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| VENTURA | $954,500 | $1,221,950 | $1,477,050 | $1,835,600 |
| YOLO | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| YUBA | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
