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Programs range from "jumbo mortgage Interest Only" Libor Loans to Fixed Rate jumbo Mortgages. Each jumbo mortgage product has a unique advantage to the client so every option should be considered to match your goals.

Jumbo Mortgage Credit Tip's

Credit repair is one of the most secretive and complex issues that directly affect each and every one of us. The following are proven techniques that will drive just about anyone’s credit or FICO score higher. The techniques listed below are designed solely to improve your chances of getting a better rate or desirable rate relating to a mortgage.
 
1) ANY credit card account that you hold, that has a balance of 25% or more of your credit limit on that card, is hurting you. For example: A $10,000.00 Chase card with a balance of $2600.00, hurts your score. A balance of $1500.00, on the same card, helps your score.
 
2) Credit pulls. Don’t allow them! Too many pulls will bring your score down. Some pulls hurt more than others. You’re best off avoiding ANY pulls unless you REALLY need one. Credit card offers that you receive in the mail normally pull your credit once you return the application. They pull your credit, refuse you, and drop your FICO score in the process.
 
3) Never pay your mortgage more than 20 days late. A 30 day late on your mortgage will crush your scores and hurt you credit wise for 12 months. Pay your mortgage on time, no matter what happens. If you have to decide between paying your mortgage, auto or credit cards, MORTGAGE comes first ALWAYS!
 
4) If you do not have credit cards and need to move your score up, apply for a secured card that REPORTS TO ALL THREE credit bureaus. The cards are a complete rip-off but WILL help you drive your scores up. If you have no credit, get 3 secured cards. This will run you roughly $600.00. Take the time you need to save up and grab them, they will help your scores tremendously as long as you keep the balance at 25% of the limit, and pay on time! Call or email me for a list of good secured cards.
 
5) Don’t bother paying early on ANYTHING, this does not affect your scores.
 
6) Over payment does not affect your scores, just pay on time and follow the 25% rule.
 
7) Too many accounts: I personally have 25 revolving accounts open with .25 to 1% of the limit used. I have high 700 scores. I don’t feel that too many accounts have a major impact.
 
8) Auto loans: AVOID auto loans unless you REALLY need a new car. Many dealerships run your credit through many banks in order to “get you the best rate”. I am convinced dealerships purposefully mangle your credit to force you to buy from them. By the time you go to dealership “b”, your credit scores have plummeted so low, you go back to dealer “a” for the “better” rate.
 
9) Credit Repair companies: Some work, some don’t, Call me for which ones that DO work.
 
10) Dream score= 700. With a 700 FICO score, you more or less write your own mortgage. Just about ALL programs are available to you and you can even buy investment properties with NO MONEY DOWN. Get a 700 score and your good to go.
 
That’s about all, If you have any questions, call or email and remember. We are not lawyers, just giving advice based on 14 years experience dealing with credit. Good luck!