Jumbo Loans in Tennessee & California

At First Capital Mortgage, we specialize in helping homebuyers secure jumbo loans for high-value properties in Tennessee and California. If your dream home exceeds conventional loan limits, our tailored jumbo loan solutions provide the financing you need to make it a reality.

What Are Jumbo Loans?

Jumbo loans are mortgage loans that exceed the Federal Housing Finance Agency’s (FHFA) conforming loan limits. These loans are ideal for purchasing luxury homes or properties in competitive real estate markets, where home prices surpass conventional loan thresholds.

Benefits of a Jumbo Loan

• Higher Loan Amounts: Secure financing for high-value properties without multiple loans.
• Flexible Loan Terms: Choose between fixed and adjustable-rate options tailored to your financial goals.
• Competitive Rates: Access competitive interest rates for larger loans.
• No Private Mortgage Insurance (PMI): Avoid PMI requirements even for higher loan amounts.

Jumbo Loan Eligibility

To qualify for a jumbo loan, borrowers typically need:

• A strong credit score (usually 700+)
• A low debt-to-income (DTI) ratio
• A larger down payment (typically 10%-20%)
• Proof of stable income and assets

Jumbo Loans in Tennessee

From Nashville to Knoxville, we offer jumbo loans to homebuyers seeking high-value properties in Tennessee’s most desirable locations. Our local expertise ensures you receive personalized service and guidance every step of the way.

Jumbo Loans in California

In California, where home prices often exceed national averages, jumbo loans are a popular choice. Whether you’re buying in Los Angeles, San Francisco, or anywhere in the Golden State, we’ll help you navigate the process with ease and confidence.

Why Work with First Capital Mortgage?

At First Capital Mortgage, we bring years of experience and a personalized approach to jumbo loans. Our team works closely with you to understand your financial goals and secure the ideal financing for your dream home.

Get Started Today

Ready to explore your jumbo loan options? Contact our expert team to get started. Call (865) 444-8422 or email us today for a personalized consultation.

FAQs About Jumbo Loans

Have questions? Check out our FAQ section or reach out for more information tailored to your needs.