[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-1-en-105":3,"doc-seo-302358-105":53,"doc-detail-302358-en":118},{"code":4,"msg":5,"data":6},0,"success",[7,14,19,24,29,34,39,44,49],{"id":8,"doc_module":9,"doc_module_name":10,"category_name":11,"show_sort_weight":12,"slug":13},11,1,"Template","Presentations",90,"presentations",{"id":15,"doc_module":9,"doc_module_name":10,"category_name":16,"show_sort_weight":17,"slug":18},12,"Resumes",80,"resumes",{"id":20,"doc_module":9,"doc_module_name":10,"category_name":21,"show_sort_weight":22,"slug":23},14,"Invoices",70,"invoices",{"id":25,"doc_module":9,"doc_module_name":10,"category_name":26,"show_sort_weight":27,"slug":28},15,"Posters",60,"posters",{"id":30,"doc_module":9,"doc_module_name":10,"category_name":31,"show_sort_weight":32,"slug":33},16,"Social Media",50,"social-media",{"id":35,"doc_module":9,"doc_module_name":10,"category_name":36,"show_sort_weight":37,"slug":38},17,"Forms",40,"forms",{"id":40,"doc_module":9,"doc_module_name":10,"category_name":41,"show_sort_weight":42,"slug":43},18,"Letters",30,"letters",{"id":45,"doc_module":9,"doc_module_name":10,"category_name":46,"show_sort_weight":47,"slug":48},21,"Paper Templates",5,"papers-templates",{"id":50,"doc_module":9,"doc_module_name":10,"category_name":51,"show_sort_weight":4,"slug":52},158,"General","general-158",{"code":4,"msg":54,"data":55},"ok",{"site_id":56,"language":57,"slug":58,"title":59,"keywords":60,"description":61,"schema_data":62,"social_meta":111,"head_meta":113,"extra_data":115,"updated_unix":117},105,"en","jumbo-prime-program-loan-guidelines","JUMBO PRIME PROGRAM - Loan Guidelines","","JUMBO PRIME program guidelines compile underwriting parameters for primary residence, second home, and investment property across purchase and refinance scenarios. The tables list unit counts and maximum loan amounts alongside LTV/CLTV limits, minimum FICO requirements, reserve duration tied to PITI, and maximum cash-out constraints for cash-out refinance. Additional sections define loan purpose rules, including refinance timing, seasoning constraints, and documentation expectations when property value increases are unsupported.",{"@graph":63,"@context":110},[64,80,101],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":36,"@type":70,"position":76},"https://docshare.wps.com/template/forms/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/jumbo-prime-program-loan-guidelines/302358/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/jumbo-prime-program-loan-guidelines/302358.png","ImageObject",442,249,{"name":88,"@type":89},"McQueen","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-09-27","2026-09-19",true,{"@type":98,"interactionType":99,"userInteractionCount":76},"InteractionCounter",{"@type":100},"ViewAction",{"@type":102,"mainEntity":103},"FAQPage",[104],{"name":105,"@type":106,"acceptedAnswer":107},"What qualifies as a rate/term refinance under the stated criteria?","Question",{"text":108,"@type":109},"Transactions must pay off the current mortgage principal balance plus accrued interest (and any required prepayment penalty only). Other costs such as late fees and past-due amounts may not be paid with the new loan.","Answer","https://schema.org",{"og:url":78,"og:type":112,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":114,"canonical":78},"index,follow",{"doc_id":116,"site_id":56},302358,1790224931,{"code":4,"msg":5,"data":119},{"doc_id":116,"user_id":120,"nickname":88,"user_avatar":121,"doc_module":9,"category_id":35,"category_name":36,"doc_title":59,"doc_description":61,"doc_content":122,"file_id":123,"file_url":124,"file_type":125,"file_size":126,"view_count":76,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":127,"language":128,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":129,"faqs":130,"seo_title":131,"seo_description":61,"update_tm":132,"read_time":42},5909890329169,"https://ap-avatar.wpscdn.com/davatar_9964176cb1d06d4a9deccf72a44ae3dc","| JUMBO PRIME PROGRAM (FIXED) |  |  |  |  |  |  |\n| --- | --- | --- | --- | --- | --- | --- |\n| Primary Residence |  |  |  |  |  |  |\n| Purchase & Rate/Term Refinance |  |  |  |  |  |  |\n| Units | Max. Loan Amount | LTV | CLTV | Min. FICO | Reserves | Max. Cash-Out |\n| 1 Unit | $750,000 | 75% | 85% | 700 | 12 Months PITI | N/A |\n|  | $2,000,000 | 80% | 80% | 700 | 12 Months PITI |  |\n|  | $2,500,000 | 75% | 75% | 700 | 24 Months PITI |  |\n|  | $3,000,000 | 70% | 70% | 700 | 24 Months PITI |  |\n| Condo | $750,000 | 75% | 85% | 720 | 12 Months PITI |  |\n|  | $2,000,000 | 80% | 80% | 720 | 12 Months PITI |  |\n|  | $2,500,000 | 75% | 75% | 720 | 24 Months PITI |  |\n|  | $3,000,000 | 70% | 70% | 720 | 24 Months PITI |  |\n|  | $2,000,000 | 75% | 75% | 700 | 12 Months PITI |  |\n|  | $2,500,000 | 70% | 70% | 700 | 24 Months PITI |  |\n|  | $3,000,000 | 65% | 65% | 700 | 24 Months PITI |  |\n| 2 Units | $2,000,000 | 75% | 75% | 700 | 18 Months PITI |  |\n| 3-4 Units | $2,000,000 | 70% | 70% | 700 | 36 Months PITI |  |\n| Cash Out Refinance |  |  |  |  |  |  |\n| Units | Max. Loan Amount | LTV | CLTV | Min. FICO | Reserves | Max. Cash-Out |\n| 1 Unit | $1,500,000 | 70% | 70% | 720 | 12 Months PITI | >65% LTV/CLTV:$400,000 \u003C=65% LTV/CLTV:\u003Cbr>$500,000 |\n|  | $2,000,000 | 65% | 65% | 720 |  |  |\n| Second Home |  |  |  |  |  |  |\n| Purchase & Rate/Term Refinance |  |  |  |  |  |  |\n| Units | Max. Loan Amount | LTV | CLTV | Min. FICO | Reserves | Max. Cash-Out |\n| 1 Unit | $650,000 | 80% | 80% | 700 | 18 Months PITI | N/A |\n|  | $1,000,000 | 75% | 75% | 700 | 18 Months PITI |  |\n|  | $1,500,000 | 75% | 75% | 700 | 24 Months PITI |  |\n|  | $2,000,000 | 70% | 70% | 700 | 24 Months PITI |  |\n| Condo | $650,000 | 80% | 80% | 720 | 18 Months PITI |  |\n|  | $1,000,000 | 75% | 75% | 720 | 18 Months PITI |  |\n|  | $1,500,000 | 75% | 75% | 720 | 24 Months PITI |  |\n|  | $2,000,000 | 70% | 70% | 720 | 24 Months PITI |  |\n|  | $650,000 | 75% | 75% | 700 | 24 Months PITI |  |\n|  | $1,000,000 | 70% | 70% | 700 | 18 Months PITI |  |\n|  | $1,500,000 | 70% | 70% | 700 | 12 Months PITI |  |\n|  | $2,000,000 | 65% | 65% | 700 | 24 Months PITI |  |\n\n| Cash Out Refinance |  |  |  |  |  |  |\n| --- | --- | --- | --- | --- | --- | --- |\n| Units | Max. Loan Amount | LTV | CLTV | Min. FICO | Reserves | Max. Cash-Out |\n| 1 Unit | $1,000,000 | 75% | 75% | 700 | 18 Months PITI | $350,000 |\n|  | $1,500,000 | 65% | 65% | 720 | 24 Months PITI |  |\n|  | $2,000,000 | 60% | 60% | 720 | 25 Months PITI |  |\n| Investment Property |  |  |  |  |  |  |\n| Purchase, Rate/Term Refinance & Cash Out |  |  |  |  |  |  |\n| Units | Max. Loan Amount | LTV | CLTV | Min. FICO | Reserves | Max. Cash-Out |\n| 1 Unit | $1,000,000 | 60% | 60% | 740 | 24 Months PITI | $400,000 |\n|  | $2,000,000 | 60% | 60% | 740 | 30 Months PITI |  |\n\n| JUMBO PROGRAM (ARM) |  |  |  |  |  |  |\n| --- | --- | --- | --- | --- | --- | --- |\n| Primary Residence |  |  |  |  |  |  |\n| Purchase & Rate/Term Refinance |  |  |  |  |  |  |\n| Units | Max. Loan Amount | LTV | CLTV | Min. FICO | Reserves | Max. Cash-Out |\n| 1 Unit | $750,000 | 75% | 85% | 720 | 12 Months PITI | N/A |\n|  | $2,000,000 | 80% | 80% | 720 | 12 Months PITI |  |\n|  | $2,500,000 | 75% | 75% | 720 | 24 Months PITI |  |\n|  | $3,000,000 | 70% | 70% | 720 | 24 Months PITI |  |\n| 2 Units | $2,000,000 | 75% | 75% | 720 | 18 Months PITI |  |\n| 3-4 Units | $2,000,000 | 70% | 70% | 720 | 36 Months PITI |  |\n| Cash Out Refinance |  |  |  |  |  |  |\n| Units | Max. Loan Amount | LTV | CLTV | Min. FICO | Reserves | Max. Cash-Out |\n| 1 Unit | $1,500,000 | 70% | 70% | 720 | 12 Months PITI | >65% LTV/CLTV:$400,000 \u003C=65% LTV/CLTV:\u003Cbr>$500,000 |\n|  | $2,000,000 | 65% | 65% | 720 |  |  |\n| Second Home |  |  |  |  |  |  |\n| Purchase & Rate/Term Refinance |  |  |  |  |  |  |\n| Units | Max. Loan Amount | LTV | CLTV | Min. FICO | Reserves | Max. Cash-Out |\n| 1 Unit | $650,000 | 80% | 80% | 720 | 18 Months PITI | N/A |\n|  | $1,000,000 | 75% | 75% | 720 | 18 Months PITI |  |\n|  | $1,50","cbCaivopWB4s1O5B","https://ap.wps.com/l/cbCaivopWB4s1O5B","pdf",1543405,87,"English","# JUMBO PRIME PROGRAM (FIXED)\n## Primary Residence - Purchase & Rate/Term Refinance\n## Primary Residence - Cash Out Refinance\n## Second Home - Purchase & Rate/Term Refinance\n## Second Home - Cash Out Refinance\n## Investment Property - Purchase, Rate/Term Refinance & Cash Out\n# JUMBO PROGRAM (ARM)\n## Primary Residence - Purchase & Rate/Term Refinance\n## Primary Residence - Cash Out Refinance\n## Second Home - Purchase & Rate/Term Refinance\n## Second Home - Cash Out Refinance\n## Investment Property - Purchase, Rate/Term Refinance & Cash Out\n# Loan Purpose & Refinance Criteria\n## Refinance with Less Than One Year Seasoning\n## Rate/Term Refinance","[{\"question\":\"What qualifies as a rate/term refinance under the stated criteria?\",\"answer\":\"Transactions must pay off the current mortgage principal balance plus accrued interest (and any required prepayment penalty only). Other costs such as late fees and past-due amounts may not be paid with the new loan.\"}]","JUMBO PRIME PROGRAM - Loan Guidelines | PDF",1789792228]