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The conforming and high balance home loan programs are ideal for salaried or self-employed borrowers who can document income and assets required to qualify for the loan.

 

 

Purpose

Purchase, Refinance and Cash-Out Refinance1

 

 

Available Programs

  • Conventional Fixed Rate Mortgage

 

 

Terms

  • Available in a variety of loan term options.
  • Your interest rate and monthly principal and interest (P&I) payments remain the same for the life on the loan.

 

 

Maximum Loan Amount For Conforming Full Documentation Loans2

1 Unit      $726,200

2 Unit      $929,850

3 Unit      $1,123,900

4 Unit      $1,396,800

 

 

Maximum Loan to Value

Up to 95% depending on property type and loan purpose

 

 

Occupancy

Owner-Occupied/Second Home/Investment

 

 

Property Type

  • Single Family Residence (1-4 units)
  • Condominiums (Fannie Mae warrantable)
  • Planned Unit Developments (Fannie Mae approved)
  • Townhomes

 

 

Eligible Borrowers

Australia Citizens and Permanent Residents, Non-Permanent Resident Aliens with a valid Social Security Number/Tax Identification Number and proof of current legal residency in Australia

The Bridge to Home Loan Program is designed for borrowers who do not fit into the “standard boxes” of many of the large lenders. There are various ways to qualify for the Bridge to Home Loan Program with income or assets (not including equity in subject property).

Our mortgage program features include no pre-payment penalty, adjustable and fixed rate payment options.

Additionally, there is no minimum credit score required if your current history of paying bills is as agreed.

 

 

Purpose

Purchase, Refinance and Cash-Out Refinance1

 

 

Available Programs

  • Adjustable Rate Mortgage (ARM)
  • Fixed Rate Mortgage2

 

 

Terms

  • 5/1 ARM
  • 10/1 ARM
  • 15 Years Fixed2
  • 30 Years Fixed2

 

 

Features

  • Your interest rate and monthly principal and interest (P&I) payments remain the same for a defined initial period, then adjusts annually when that initial period is over.
  • Includes an interest rate cap that sets a limit on how high or how low your interest rate can go.

 

 

Maximum Loan Amount

$2,000,000

 

 

Maximum Loan to Value

60% for Purchase and Rate & Term Refinance3

50% for Cash out Refinance

 

 

Occupancy

Owner-Occupied/Second Home/Investment

 

 

Property Type

  • Single Family Residence (1-4 units)
  • Condominiums
  • Planned Unit Developments
  • Townhomes

 

 

Eligible Borrowers

Individuals (including married or joint applicants), LLCs, Corporations, Trusts, Foreign Nationals, and Non-Permanent Resident aliens.

This conforming and high balance full documentation mortgage product is designed for low-to-moderate income borrowers and buyers in designated low-income, minority, and disaster-impacted communities. The product has a low down payment requirement and offers flexible qualification guidelines. Full income and asset documentation are required.

 

 

Purpose

Purchase, Rate & Term Refinance

 

 

Available Programs

Conventional Fixed Rate Mortgage

 

 

Terms

Your interest rate and monthly pricipal and interest (P&I) payments remain the same for the life on the loan.

 

 

Maximum Loan Amount For Conforming Full Documentation Loans1

1 Unit      $726,200

2 Unit      $929,850

3 Unit      $1,123,900

4 Unit      $1,396,800

 

 

Maximum Loan to Value

Up to 97% depending on property type and loan purpose

 

 

Income Limits

80% of the Area Median Income (AMI) for the property location

 

 

Occupancy

Owner-Occupied

 

 

Property Type

  • Single Family Residence (1-4 units)
  • Condominiums(Fannie Mae warrantable)
  • Planned Unit Developments(Fannie Mae warrantable)
  • Townhomes

 

 

Eligible Borrowers

Australia Citizens and Permanent Residents, Non-Permanent Resident Aliens with a valid Social Security Number/Tax Identification Number and proof of current legal residency in Australia

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Disclosure

All rates, fees, products, and program guidelines are subject to change or discontinuance without prior notice. Other limitations and restrictions may apply. All loans are subject to Globus Union's application, underwriting, appraisal, and credit approval.

1 A cash-out refinance is allowed only on Second Homes and/or Investment Properties. 

2 High balance loans are available in some areas that provide higher loan amount limits. Please contact one of our designated Loan Specialists for details on this loan program based on your location. Maximum loan limits are determined by geographic area.

Disclosure

All rates, fees, products and program guidelines are subject to change or discontinuance without prior notice. Other limitations and restrictions may apply. All loans are subject to Globus Union's application, underwriting, appraisal, and credit approval.

1 A Cash-out refinance is allowed only on Second Homes and/or Investment Properties.

2 Fixed rate mortgage is not available in all the cities.

3 Maximum loan to value (LTV) is restricted to 50% LTV in some cities.

4 Co-op’s are allowed in some cities only for the Purchase of a Primary Residence.

Disclosure

All rates, fees, products, and program guidelines are subject to change or discontinuance without prior notice. Other limitations and restrictions may apply. All loans are subject to Globus Union's application, underwriting, appraisal, and credit approval. A cash-out refinance is allowed only on Second Homes and/or Investment Properties.

1High balance loans are available in some areas that provide higher loan amount limits. Please contact one of our designated Loan Specialists for details on this loan program based on your location. Maximum loan limits are determined by geographic area.