Jumbo Mortgage Loan

The perfect loan to help you secure your future.

Sometimes traditional loans aren’t enough to buy the home you really want. We can help you finance the purchase of a high-priced home or refinance your current loan with our line of Jumbo and Super Jumbo Loans.

When it comes to Jumbo or High-Balance loans, we have more to offer. With our unrestricted access to a variety of programs, our competitive rates, and our rapid turnaround times, we deliver a multitude of options to you.

You can use a Jumbo Mortgage to purchase a new home or refinance a home mortgage you already own. Our unrestricted access to a variety of programs means we can find the right program for you.

Our Jumbo Loans come with flexible terms to ensure you’ll have a smooth and straightforward home financing experience. 

Jumbo Mortgage Comparison

Purchase vs Refinance


Buying a Home with a Jumbo Mortgage

Jumbo Loans offer you greater flexibility in purchasing a home. Our mortgage specialists can help you with a Fixed Rate Mortgage or an Adjustable Rate Mortgage. With a Jumbo Mortgage you won’t be restricted by loan limits, so we can help you find the best loan for your financial goals. In addition to competitive rates, we offer:

  • Down payments of just 20% can help you get into the home of your dreams
  • Interest only mortgageThis type of loan allows you to defer paying the principal on your mortgage for the chosen term of the loan. Instead, you make only the interest payment, which allows you to keep monthly payments low at the beginning of the loan.
  • Ratios up to 50 percent: With a Jumbo Loan, you can incur a higher debt to income ratio while still enjoying competitive interest rates and loan terms.
  • Non-occupying co-borrowers allowed. If you worry about qualifying for a loan, we offer home financing options that enable a friend or family member, who will not be occupying the home, to co-sign on the loan. This is a great option for those who cannot provide verifiable income or have less than perfect credit.
  • Flexible terms. Christensen Financial offers several loan terms based on your goals and qualifications.


Refinancing a Jumbo Mortgage for a Better Rate

There are many reasons to refinance a home loan. You may want to lower your interest rate or monthly payments; perhaps you want to cash out refinance to pay for remodeling or a home improvement project, or maybe you just want to change the terms of your loan. Whatever the reason, We can help you decide which loan refinance package is right for you. When rates are low, it’s a great time to consider refinancing your Jumbo Mortgage.

Once your mortgage is down to below the OFHEO loan limit, our home loan specialists can help you make the transition to a traditional conforming loan. Making this change will lower your interest rates and help you pay off your mortgage faster.

Additional Jumbo Loan Refinance packages include:

  • No mortgage insurance required. Most mortgage lenders require borrowers to pay for private mortgage insurance (PMI) to finance loans with high loan to value ratios. At Christensen Financial, we don’t require PMI on most types of mortgages.
  • Interest Only Refinancing. If you need to lower your monthly payment temporarily to avoid foreclosure or divert monthly payments toward other uses, you can use Interest Only Refinancing to reduce your monthly payment to just the interest rate cost.
  • Cash-Out Refinancing. Our Jumbo Refinance packages allow you to cash-out up to $35,000 on your mortgage. You can use this money to make large purchases or pay off high-interest debt.