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Close Your Seattle Jumbo Mortgage in 15 Days

When it comes to jumbo home loans, you don't have room to mess around. Securing affordable financing will make or break the deal. Seattle's Mortgage Broker has been in the business for 15+ years and is known around Seattle for closing fast.

  • No additional assets required
  • Only one appraisal
  • Relaxed underwriting guidelines
Jumbo Mortgage Loan Seattle Washington

Seattle Jumbo Loan Products

Prime Jumbo (15 or 30 Year Fixed):


  • Loan amounts up to $3M
  • 680+ FICO and up to 45% DTI
  • Up to 89.99% LTV and no MI required
  • UWM services these loans exclusively
  • Borrower solicitation protection
  • Eligible on primary, second and investment properties for purchases, rate/term and cash-out refinances
  • One appraisal required for purchases up to $3M and refinances up to $2M*
  • Two appraisals from two different appraisers required for refinances over $2M*
  • Loan amounts greater than $2M require 18 months of reserves in addition to any reserves required by AUS

*Up to $2,000,000 loan amount with 10.01% down payment so the purchase price would be $2,224,694.

*Up to $3,000,000 loan amount with 20% down so the purchase price would be $3,750,000.

Prime Jumbo Released (30 Year Fixed):


  • Loan amounts up to $3M
  • 680+ FICO and up to 45% DTI
  • Up to 89.99% LTV
  • Eligible on primary, second and investment properties for purchases, rate/term and cash-out refinances
  • One appraisal required for loans up to $2M*
  • Two appraisals from two different appraisers required for loans over $2M*
  • Loan amounts greater than $2M require 18 months of reserves in addition to any reserves required by AUS

*Up to $1,500,000 loan amount as low as 3.5% down so the purchase price would be $1,554,404.

Prime Jumbo ARMS (5,7 and 10 Year):


  • Loan amounts up to $3M
  • 680+ FICO and up to 45% DTI
  • Up to 80% LTV
  • Eligible on primary, second and investment properties for purchases, rate/term and cash-out refinances
  • One appraisal required for purchase up to $3M and refinances up to $2M*
  • Two appraisals from two different appraisers required for refinances over $2M*
  • Loan amounts greater than $2M require 18 months of reserves in addition to any reserves required by AUS

Prime Jumbo Interest Only (30 Year Fixed):


  • Loan amounts up to $3M
  • 700+ FICO and up to 43% DTI
  • Up to 80% LTV
  • 10-year interest only, 20-year amortization period
  • Eligible for primary and second homes for purchases and rate/term refinances
  • One appraisal required for purchases up to $3M and refinances up to $2M*
  • Two appraisals from two different appraisers required for refinances over $2M*
  • Loan amounts up to $1M require 12 months of reserves in addition to any reserves required by AUS
  • Loan amounts over $1M require 24 months of reserves in addition to any reserves required by AUS

Prime Jumbo Max (30 Year Fixed):


Loans up to 80% LTV

  • Loan amounts up to $2.5M
  • 700+ FICO and up to 43% DTI
  • Eligible for primary and second homes for purchases and rate/term and cash-out refinances
  • One appraisal required for loans up to $2M*
  • Two appraisals, from two different appraisal companies, required for loans over $2M*
  • For primary purchase loans up to $2M – 12 months reserves required
  • For second home loans over $2M – 18 months reserves required
  • For primary cash out loans up to $1M – 12 months reserves required (up to $300,000 cash back)
  • For primary and second home loans over $1M – 18 months reserves required (up to $300,000 cash back)
  • For primary cash out loans between $1.501-$2M – 12 months reserves required (up to $500,000 cash back)
  • For second home cash out loans between $1.501-$2M – 18 months reserves required (up to $500,000 cash back)

Loans with an LTV between 80.01-96.5%

  • Loan amounts up to $1.5M
  • 720+ FICO and up to 40% DTI
  • Eligible for primary purchases and rate/term refinances
  • One appraisal required for loans up to $1M*
  • Two appraisals from two different appraisers required for loans over $1M*
  • For primary purchase loans up to $1.5M – 24 months reserves required

Bank Statement Loans (30 Year Fixed):


To better serve self-employed borrowers, UWM is offering Bank Statement Loans, allowing qualified borrowers to be approved by providing personal or business bank statements, instead of income docs or tax transcripts.

  • 640+ FICO, with LTVs up to 90% and no MI required
  • Loan amounts up to $3M
  • Self-employed borrowers only
  • Minimum 12 months of reserves required
  • Minimum 12 months consecutive bank statements required
  • Two appraisals from two different appraisers required for loans over $1.5M

Jumbo Elite


Give your Jumbo purchase the pricing and turn times it deserves! Jumbo Elite mortgages for Seattle Washington not only offer competitive pricing, but it also allows you to close in an impressive 21 days or less!

Program highlights include:

  • Loan amounts up to $2 million
  • Exclusive rate incentives for borrowers with 700+ FICO
  • As little as 10% down
  • Eligible for primary and second homes
  • ARM and fixed-rate options available
  • Same day closings with UClose

Jumbo Platinum Plus


SMB is proud to be one of the first in WA to offer a true low down option for your jumbo purchase needs. Shop with confidence knowing you can afford to buy the house of your dreams and still have money in the bank afterwards.

Program highlights include:

  • 10% down payment up to 1.5 million
  • Scores as low as 720 FICO
  • Can close in under 3 weeks

YOUNITED Lending With a Purpose

Lending With a Purpose is more than a tagline; It’s what drives us to be our best. At SMB we understand each mortgage we provide helps a family locally but also has the ability to provide sustainable, salubrious economic opportunity to those most in need.

“I alone cannot change the world, but I can cast a stone across the waters to create many ripples.”
-Mother Teresa