Jumbo Loans To 95% LTV With No Mortgage Insurance

LENDERLINE® is currently offering jumbo loan to 95% LTV with no mortgage insurance under the following conditions:

  • The property must be located in the State of California.
  • 95% LTV to $1,500,000 loan amount.
  • 85% LTV to $2,000,000 loan amount.
  • SFR, PUD, and warrantable condos only at 95% LTV.
  • 2-4 unit properties allowed at 85% LTV or below.
  • Purchase, rate/term or cash-out refinance.
  • Primary residence only.
  • Minimum 720 credit score for purchase and rate/term refinance.
  • Minimum 760 credit score for cash-out refinance.
  • Cash-out refinance requires 12 months seasoning of ownership.
  • First-time homebuyer allowed (see underwriting guidelines for restrictions).
  • No housing rent or mortgage late payments allowed during the past 24 months.
  • W-2 wage earner or self-employed.
  • Borrower must be U.S. citizens or permanent residents.
  • No foreign nationals allowed under this program.
  • 9 months PITIA reserves required for subject property.
  • 6 months PITIA reserves required for each additional financed property.
  • Full income and asset documentation required.
  • DTI maximums range from 35% to 50%, depending on LTV (see guidelines).
  • Available as a 5/1 ARM, 7/1 ARM, 7/1 AM I/O, 10/1 ARM, 10/1 ARM I/O, 15-year fixed, 30-year fixed, 30-year fixed I/O, and 40-year fixed I/O.
  • No prepayment penalty.

To download underwriting guidelines
for our 95% LTV super-jumbo loans with no mortgage insurance:

To download a loan application
for our 95% LTV super-jumbo loans with no mortgage insurance:

LENDERLINE® is your jumbo loan to 95% LTV with no mortgage insurance lender of choice. Jumbo loans are our specialty, and we have the best jumbo mortgage rates in the nation.

Questions? To get today’s interest rates or to receive a FREE mortgage consultation, call LENDERLINE® toll-free at 1-888-661-7888, or complete this form to schedule an appointment.

  • Obtaining a mortgage through Lenderline was by far the best loan process we have ever experienced.

    Jay M.

    Northridge, CA

  • We have purchased and/or refinanced 4 rental properties and 3 different residences... In all those years, we have never dealt with such a professional broker.

    Toni M.

    Westlake Village, CA

  • Lenderline got us a cash-out refinance using 24 months bank statements as income, no tax returns, no 1099, and no 4506-T. They had just the loan product we were looking for, their rates were good, and their attention to detail was outstanding. I have already referred some of my friends.

    Thomas J.

    Perris, CA

  • I was at the end of my rope. Other lenders had turned me down due to a recent short sale, and I had a hard money loan with a balloon payment that was coming due. Lenderline was able to pay off my hard money loan, lower my interest rate, and provide some additional cash out at closing. What a lifesaver!

    Hector R.

    Northridge, CA

  • I had no FICO scores, and Lenderline was able to get me an FHA loan with only 3.5% down. My mortgage payment is less than my rent was, and I am now a happy homeowner thanks to the awesome loan agents at Lenderline.

    Edwin D.

    Los Angeles, CA