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The High Balance Nationwide Product is a variation on a high balance conventional loan. It is underwritten mostly to Fannie Mae guidelines, with the exception of some overlays. This means that some loans that would generally have to go Jumbo can now remain in a high balance product. These loans will have a loan amount that is $1 greater than the county loan limit, up to $726,525.


  • 680 Min FICO (700 Min FICO for cash out of a Second Home)
  • No mortgage lates are allowed within the last 12 months
  • 30 year Fixed term only
  • Primary residences and second homes
  • Purchase, Rate/Term, and Cash Out Refinance allowed
  • 1-unit primary residence up to 90% LTV allowed- THIS IS FOR PURCHASES ONLY!
  • 43% Max Debt-to-Income Ratio allowed
  • 1 or 2 unit properties available
  • NO PMI

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