Jumbo Loans
If you want to borrow a larger amount to purchase the home you love, you may need a Jumbo Loan. We’re here to help you make that home yours. Or you can start the pre-qualification process and begin your home search with the information you need to buy one that meets your budget. Either way, our Mortgage Officers can help you navigate the process and get you the loan you need.
What is a Jumbo Loan?
When the amount you want to borrow for a home exceeds the limits set by the Federal Housing Finance Agency (FHFA) you may need a Jumbo Loan. Apply now and you’ll be connected with one of our Amegy Bank Mortgage Officers to learn about your options and to get the process started.
Jumbo Loan benefits you should know about
Advantages
- Mortgage options up to $5 million.
- If you do not limit yourself to the loan amounts of conforming loans, you can compete in a highly competitive market and buy a property that may have been out of reach.
- You can skip the difficulties of piecing together several small loans to finance your home purchase—and you’ll make your payment all in one place.
Things to think about
Considerations
- You’ll need a better credit score to qualify for a Jumbo Mortgage Loan.
- Educating yourself on the loan process is important. Learn more about what to expect by connecting with one of our knowledgeable Mortgage Officers.
Benefit from the house—and the deal that you want
Fixed and Adjustable-Rate Options
Fixed-Rate Mortgages are popular among homeowners because the interest rate and monthly payments stay the same over the entire term. ARMs feature a rate adjustment after an initial low fixed-rate period.
Own Your Home Twice as Fast
You’ll pay a bit more every month, but a short-term Fixed-Rate Mortgage can cut in half the amount of time it takes to own your home. Plus, you typically get a lower rate for a 15-year term than a 30-year.
Use Relationship Pricing to Pay Less
Relationship Pricing is available on new adjustable rate mortgages only. Applicable for new or existing Amegy Bank deposit and/or wealth balances totaling a minimum of $250,000. Zions Direct accounts, business operating accounts, and CDs are ineligible products for meeting the balance requirement. Relationship Pricing program is subject to change at any time.
Decisions Made Locally
We make our loan decisions at the local level, so we understand our clients and the market. That means you can benefit from a faster turnaround time on approvals. And can get your loan funded sooner.
Apply today for your home loan.
It only takes about 15 minutes to apply. Be ready with: Social Security Number and date of birth (borrower and co-borrower), home address and phone number (mailing address if different from home), previous address (if at residence less than 2 years) and gross monthly income.
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