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Jumbo Loans
Altius Mortgage Group is a jumbo mortgage lender in Utah. We specialize in Jumbo Loans in Utah, Park City, Salt Lake City, Ogden, Provo, Provo, Orem, Logan and St George (Saint George) and throughout all of Utah.
Product Details
- 1st & 2nd mortgages & HELOC’s
- Purchase or refinance & Cash Out
- up to 90% loan to value first position purchases & refinances* (Cannot be a First time home buyer)
- First time homebuyer purchases to 85% loan to value*
(680 mid-score minimum requirement) - Fixed rate option available on first or second position home equity lines of credit
- interest only available on 3/1 and 5/1 ARMs*
- Piggy-back 2nds also available
- 15, 20 and 30 year fixed rate first position
- 15 and 20 year fixed rate second position
- 1/1, 3/1, 5/1, 7/1 and 10/1 ARMs
Loan Amounts
- Jumbo Loans – up to $5 Million - 1st mortgages only
- Super-Jumbo Loans – over $5 Million – 1st mortgages - call to discuss your scenario
- 90% LTV, Loan amounts up to $900k, Available with 720 Mid Score
- 2nd mortgages up to $350,000 available
- Cash Out Refinance Loan Limits & LTV Limits:
- For LTV/CLTV up to 80%, $200,000 cash out refinance allowed in first position and $150k cash out allowed for 2nd position.
- Cash out is defined as cash in hand.
- Debts paid from proceeds (2nd mortgage, revolving debts, installment debts) are not considered cash out as long as the funds are directed by the settlement agent at closing
- HELOC offers cash out loan amounts available up to $350,000 with an I/O payment option.
- Rural properties plus large acreage (no limit on maximum total number of acres)
- Value is based on using only up to ten acres for the value
- 50% DTI (Debt to Income ratio) for fixed programs
- up to 55% DTI (Debt to Income ratio)for ARMs
- Cash-out up to 75% LTV (see rate sheets for restrictions)
- SFR, townhouse (town homes), duplex, condo’s, all okay
- No mortgage insurance options available
- No adjustment to rate up to $1,00,000 loan amounts
- Small rate adjustment on loan amounts $1,000,001 – $1.5 million
- Cash out available with no adjustment to rate
- Full doc loans only
- can be self-employed as long as incomes are supported by tax returns.
Altius Mortgage Group is the Jumbo Loan lender specialist in Utah.
If you want a lender that specializes in Jumbo loans, Ben Gerritsen is the jumbo lender specialist.
He knows the jumbo loan market better than most other loan officers in Utah.
Ben Gerritsen is a Jumbo Loan lender specialist in Utah, Including: Salt Lake City, Park City, Ogden, Provo, Logan, ST George, Utah
Ben Gerritsen is the Jumbo Loan lender specialist in Orem, Provo, Highland, Alpine, American Fork, Spanish Fork, Utah
Ben Gerritsen is the Jumbo Loan lender specialist in Heber City, Midway, Kamas, Oakley Utah
Ben Gerritsen is the Jumbo Loan lender specialist in Heber City, Utah
Ben Gerritsen is the Jumbo Loan lender specialist in Kaysville, Farmington, Fruit Heights, Layton, West Layton, Sunset, Roy, Farr West, Utah
Ben Gerritsen is the Jumbo Loan lender specialist in Salt Lake, Salt Lake City, Sandy, Cottonwood, Cottonwood Heights, Holladay, West Jordan, Riverton, Draper, Herriman, Bluffdale, Daybreak, Utah
Ben Gerritsen is the Jumbo Loan lender specialist in Salt Lake City, Utah
Ben Gerritsen is the Jumbo Loan lender specialist in Toole, Grantsville, Utah
Ben Gerritsen is the Jumbo Loan lender specialist in Ogden, Utah
Ben Gerritsen is the Jumbo Loan lender specialist in Logan, Utah
We are the jumbo mortgage experts in St George, Utah & Ivins, Utah.
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