Jumbo Loans

Newfi Wholesale has jumbo solutions for all kinds of borrowers, with loan amounts up to $2.5 million and flexible credit qualification options.

Biscayne Jumbo

For our best pricing and fast closing, Biscayne is your all-purpose jumbo loan option.

  • Borrow up to $2.5 million
  • Max LTVs: 90% purchase, 80% rate & term, 75% cash out (up to $350,000)
  • Credit scores: 680 for purchase/rate & term; 700 for cash out
  • Fully delegated: no investor-added conditions or timelines
  • Self-employed and investors OK

See Guidelines (.pdf)     Read More About Biscayne


Sequoia Portfolio Plus

With Sequoia, we make all credit decisions and exceptions in house, providing flexible qualification and faster approvals.

  • Borrow up to $2.5 million
  • Smart asset depletion guides – assets divided by 120 months
  • 4 year seasoning for BK, foreclosure, short sale or deed in lieu
  • One year income documentation OK for Self-Employed and basic W-2
  • Credit Scores as low as 660, with exceptions down to 640
  • No minimum trade line requirement with 3 credit scores, LTV < 75% and 24 month housing payment history
  • LTV increased to 90% for Owner Occupied, 80% for NOO
  • DTI up to 55% (purchase, rate & term)
  • 12- and 24-month bank statement program

See Guidelines (.pdf) Read More About Sequoia


Sequoia Portfolio Expanded

All Sequoia Portfolio Plus features, as well as higher LTV limits, lower credit scores and shorter recovery time between major credit events.

  • Borrow up to $2.5 million
  • Multiple options to meet tradeline requirements
  • 3-year seasoning for BK, foreclosure, short sale or deed in lieu
  • Smart asset depletion guides – assets divided by 120 months
  • One year income documentation OK for Self-Employed and basic W-2
  • Relaxed housing payment history
  • Reduced reserve requirements
  • 12- and 24-month bank statement program

See Guidelines (.pdf)


Denali Non-QM Jumbo

Denali provides unusually high LTVs and a 40 year fixed with I/O period.

  • Borrow up to $2.5 million
  • Max LTVs: 95% owner occupied, 85% non-owner
  • Credit scores as low as 600
  • 40 year fixed with 10 year interest-only period
  • Shorter seasoning requirements

See Guidelines (.pdf)     Read More About Denali


Glacier Flex Non-QM

Designed for owner-occupiers, Glacier provides flexibility for credit events or bank statements.

  • Borrow up to $2.5 million
  • Max LTVs: 90% up to $1.5 million; 85% up to $2.5 million
  • Credit scores as low as 620
  • DTI up to 50%
  • 36 months seasoning for bankruptcy & foreclosure
  • Bank statement programs

See Guidelines (.pdf)     Read More About Glacier Flex


Glacier Expanded Flex Non-QM

Glacier Expanded Flex provides improved pricing for owner-occupiers in exchange for better credit quality.

  • Borrow up to $2.5 million
  • Max LTVs: 85% up to $1 million; 75% up to $2.5 million
  • Credit scores: As low as 680
  • DTI up to 55%
  • 60 months seasoning for bankruptcy & foreclosure
  • Bank statement programs

See Guidelines (.pdf)


Glacier Investment Property Non-QM

For investors, Glacier provides bank statement qualification and “one day” seasoning on credit events.

  • Borrow up to $2.0 million
  • Max LTVs: 80% for purchase/rate & term; 75% for cash out
  • Credit scores: As low as 620
  • 12 months of person bank statements OK for self-employed
  • “One-day” season for foreclosure; 24 months for Chapter 7 bankruptcy

See Guidelines (.pdf)     Read More About Glacier Investment


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