Jumbo Home Loans Up to $3 Million with Refined Lending, a division of Luminate Bank,
When a loan amount reaches a certain point, Jumbo and Super Jumbo Loans can offer high-end financing that a traditional loan can’t.
Over the past few years, some lenders have decreased their Jumbo Loan offerings and have made them harder to obtain, but at Refined Lending, a division of Luminate Bank, we can get you the best rate possible on your Jumbo Loan.
With a jumbo mortgage, you’ll get great rates for your big loan. With a choice between fixed or adjustable rates, our jumbo loans offer maximum flexibility for home financing for larger loans.
Got questions? Give us a call! One of our mortgage specialists would be happy to answer all of your questions and get you started with a great low rate on your jumbo loan today!
Portfolio Jumbo Loan Program
Your lifestyle. Elevated.
Looking to buy or refinance a larger real estate loan? We can help.
Our portfolio jumbo loan program makes buying or refinancing more expensive residences easier and more affordable than you might think. Loans can be made up to:
- $1,500,000 with as little as 10% down
- $2,000,000 with as little as 20% down
- $3,000,000 with as little as 30% down.
These allow you the flexibility to do other things with your money than to use it as a down payment.
Our programs feature competitive low rates that are fixed for either the first 3 or 5 years of their 30-year term. After that, the interest rates and your monthly payments may adjust on an annual basis depending on your balance and the current index.
Adjustable rate loans, common for larger loan sizes, are not for everyone and should be explored with the help of a qualified lending professional. Good news: we have many of them on our team ready to help you determine if this is the right loan for you and guide you through the entire process.
Contact us today to get more information and find out how.
All rates and programs subject to change without notice.
Working with Refined Lending, a division of Luminate Bank,
- We put YOU first.
- Refined Lending, a division of Luminate Bank, offers some of the most competitive rates in the Nation!
- Fast and efficient, we close most of our loans in 30 days or less.
- We offer a variety of loans. Refined Lending, a division of Luminate Bank, will find you the loan that is right for you!!!
Check out what your monthly payment could be by using our Jumbo MortgageCalculator…
Our mortgage calculators are for demonstration purposes only and may not reflect actual numbers for your specific mortgage. Contact us and we will walk you through the best possible mortgage scenario for your specific needs!
Principal & Interest (P&I)
$Taxes & HOA
$Homeowners Insurance
$Purchase Price$
Down Payment$
Total Loan Amount$
Estimated Taxes & InsuranceProperty taxes are generally estimated to be 1.2% of the home's value, but may vary based on your location. Annual homeowners insurance is roughly 0.35% of the home's value but can change based on insurer. Your loan specialist can help you determine property tax and insurance rates in your area.
Estimated Payment$ /mo
Loan amount
$
Down payment
$
Interest rate
Loan term
Taxes & insurance included?
Property tax
Homeowner's insurance
$
HOA dues
$
Payment Breakdown
Amortization
Principal vs. Interest
Amortization Schedule Breakdown
Our detailed amortization schedule breaks down your mortgage payments, showing how they are split between interest and principal over the life of your loan.Note: The actual monthly payment may be higher than what is shown here, as this schedule does not account for variable costs such as property taxes and home insurance, which are often included in your total mortgage payment.
- Principal payments: $$240,000 (the amount borrowed)
- Interest payments: $$297,554 (the cost of borrowing)
Get started by using one of our FREE tools!
No matter what your situation is, there is a home financing solution for you. We are ready to guide you through your options and get you the best deal possible!
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Access our top-rated mortgage calculators to expertly assess your financing options, compare various loan types, and make informed decisions for your home buying journey.
