Jumbo Product Offerings

Fixed-Rate Loan Products

UWM offers a suite of six fixed-rate jumbo products featuring competitive pricing along with transparent investor guidelines and loan qualifications that allow you to tailor a fixed jumbo loan to your borrower’s situation. These custom options aren’t offered at most big banks or retail lenders, so you’ll win more loans and wow more jumbo borrowers!

Jumbo 30-Year Fixed – Purple

  • 700+ FICO
  • Up to 45% DTI and up to 89.99% CLTV
  • DU only
  • Loan amounts starting $1 over the greater of the conforming loan limit or High Agency Cost limit up to $3M
  • Eligible on primary, second and investment property purchases and rate/term refinances. Cash-out refinances only eligible on primary and second homes.
  • For Purchase and Rate/Term Refinances
    • For primary purchase loan amounts up to $3M – 6-12 months’ reserves required
    • For second home purchase loan amounts up to $2.5M – 9 months’ reserves required
    • For investment home purchase loan amounts up to $2.5M – 12 months’ reserves required
  • For Cash-Out Refinances
    • Minimum 12 months’ reserves required (max cash out $300,000 or $500,000 with 10% CLTV reduction)
  • Two separate appraisals from two different appraisers required for loan amounts over $2M
  • Temporary Rate Buydowns not permitted

Jumbo 30-Year Fixed – Blue

  • 660+ FICO
  • Up to 49.99% DTI and up to 80% CLTV
  • DU only
  • Loan amounts starting at $400,00 up to $3M
  • Eligible on primary, second and investment property purchases, rate/term and cash-out refinances
  • For Purchase and Rate/Term Refinances
    • For primary purchase loan amounts up to $3M – 6-12 months’ reserves required
    • For second home purchase loan amounts up to $3M – 9-12 months’ reserves required
    • For investment home purchase loan amounts up to $1.5M – 12 months’ reserves required
  • For Cash-Out Refinances
    • For primary cash-out loan amounts up to $2M – 6-12 months’ reserves required
    • For second home cash-out loan amounts up to $2M – 9-12 months’ reserves required
    • For investment home cash-out loan amounts up to $1.5M – 12 months’ reserves required
  • Two separate appraisals from two different appraisers required for loan amounts over $1.5M
  • Temporary Rate Buydowns eligible on primary and second home purchases

Jumbo 30-Year Fixed – Green

  • 680+ FICO
  • Up to 45% DTI and up to 80% CLTV
  • Loan amounts starting $1 over the conforming loan limits up to $2.5M
  • Eligible on primary and second home purchases, rate/term and cash-out refinances
  • For Purchase and Rate/Term Refinances
    • For primary purchase loan amounts up to $2M – 6-9 months’ reserves required
    • For primary purchase loan amounts over $2M – 24 months’ reserves required
    • For second home purchase loan amounts up to $2M – 6-9 months’ reserves required
  • For Cash-Out Refinances
    • For primary cash-out loan amounts up to $2M – 6-9 months reserves required
    • For second home cash-out loan amounts up to $1M – 6 months reserves required
  • Two separate appraisals from two different appraisers required for loan amounts over $2M
  • Temporary Rate Buydowns not permitted

Jumbo 30-Year Fixed – Pink

  • 680+ FICO
  • Up to 45% DTI and up to 89.99% LTV
  • Loan amounts starting $1 over the conforming loan limits up to $3M
  • Eligible on primary, second and investment property purchases, rate/term and cash-out refinances
  • Loan amounts up to $2M reserves determined by DU/LPA findings
  • Loan amounts over $2M — require 6 months in reserves in addition to any reserves required by AUS
  • Two separate appraisals from two different appraisers required for loans over $2M
  • Borrower solicitation protection because UWM services these loans exclusively
  • Temporary Rate Buydowns eligible on primary and second home purchases

Jumbo 30-Year Fixed – Yellow

  • 680+ FICO
  • Up to 50% DTI and up to 90% LTV
  • Loan amounts starting at $400,000 up to $3.5M
  • Loan amounts up to $2M — reserves determined by DU/LPA findings
  • Loan amounts between $2M - $3M — require 6 months in reserves in addition to any reserves required by AUS
  • Loan amounts over $3M — require 12 months reserves in addition to any reserves required by AUS
  • Eligible on primary, second and investment property purchases, rate/term and cash-out refinances
  • Two separate appraisals from two different appraisers required for loan amounts over $2M
  • Temporary Rate Buydowns eligible on primary and second home purchases

Jumbo 15-Year Fixed – White

  • 700+ FICO
  • Up to 45% DTI and up to 80% LTV
  • Loan amounts starting at $600,000 up to $3M
  • Reserves determined by DU/LPA findings
  • Eligible on primary home purchases, rate/term and cash-out refinances
  • Temporary Rate Buydowns not permitted

Additional Jumbo Loan Products

In addition to our fixed-rate jumbo products, UWM also provides adjustable rate and interest-only options — all to help you compete and win these high-value borrowers.

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 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

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 ARMS (7- and 10-Year Fixed)

  • Loan amounts up to $3M
  • 700+ FICO and up to 43% DTI
  • Up to 80% LTV
  • Eligible for primary and second homes for purchases, rate/term and cash-out refinances
  • One appraisal required for loans up to $1.5M*
  • Two appraisals from two different appraisers required for loans over $1.5M*
  • For purchase and rate/term refinances
    • For primary purchase loans up to $3M—6-18 months of reserves required
    • For second home purchase loans up to $3M —12-18 months of reserves required
  • For cash-out refinances
    • For primary cash-out loans up to $1.5M—12 months of reserves required (up to $250,000 cash back)
    • For primary cash-out loans between $1.5M-$2M —15 months of reserves required (up to $500,000 cash back)
    • For second home cash-out loans up to $1.5M—12-18 months of reserves required (up to $250,000 cash back)
    • For second home cash out loans between up to $1.5M-$2M—18 months of reserves required (up to $500,000 cash back)

*Appraisal waivers are not applicable on Prime Jumbo, Prime Jumbo Released, Prime Jumbo ARMs, Prime Jumbo Interest Only, Prime Jumbo Max and Prime Jumbo Max ARMs.

Information subject to change. Certain restrictions apply. Subject to borrower approval.

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