Financing for Your Dream Home

Elevate Your Home Buying Experience

For those dreaming big, Oak Leaf Community Mortgage offers Jumbo Mortgages – designed for properties that exceed conventional loan limits. Perfect for luxury homes or high-cost areas, our Jumbo Mortgage options provide the financial solutions you need for your larger-than-life home aspirations. Experience customized, high-value financing with competitive terms and expert guidance every step of the way.

Understanding Jumbo Mortgages:

Jumbo Mortgages are ideal for financing properties that surpass the limits set for conventional loans. They cater to:

High-Value Properties:

Tailored for homes requiring larger loan amounts not covered by conventional mortgages.

Diverse Property Types:

Suitable for a range of properties, including luxury residences, vacation homes, and investment properties.

Competitive Rates:

Despite the higher loan amounts, enjoy attractive interest rates comparable to conventional loans.

Qualifying for a Jumbo Mortgage

Qualifying for a Jumbo Mortgage Loan:

Credit Score: Typically, a strong credit history is required with specific credit score requirements.

Income Verification: You’ll need to provide proof of stable and substantial income, and details about income verification will be required.

Down Payment: Minimum down payment requirements apply, and specific details about down payment percentages will be provided.

Property Appraisal: An appraisal will be conducted to assess the value of the property in question, and the details of the appraisal process will be explained.

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Benefits of Choosing Oak Leaf’s Jumbo Mortgages

1

Generous Loan
Limits:

Borrow above the conforming limit for your property purchase.

2

Flexible
Terms:

We offer a variety of term lengths to fit your financial plan.

3

Customized
Solutions:

Each Jumbo Mortgage is tailored to meet the unique needs of the borrower.

4

Expert
Support:

Our loan specialists provide personalized service, ensuring a seamless borrowing experience.

Explore Our Jumbo Loan Products

We offer various Jumbo Mortgage options, including:

Fixed-Rate Jumbo Mortgage:

Description: Secure a fixed interest rate for the entire term of your loan, offering stability and predictability in payments.

Term Options: Choose from a range of term lengths to meet your needs.

Adjustable-Rate Jumbo Mortgage (ARM):

Description: Start with potentially lower interest rates that adjust after a set period, offering initial lower payments.

Adjustment Periods: Offering flexible and varied terms available to best suit your customized needs.

Your Path To A Jumbo Mortgage Begins Here

How to Apply:

Your Path to a Jumbo Mortgage Begins Here

Financial Review:

Begin by assessing your financial situation to ensure alignment with Jumbo Mortgage requirements.

Document Preparation:

Gather the necessary financial documents, including examples such as bank statements, tax returns, and asset verification.

Application Submission:

Connect with our mortgage experts to submit your Jumbo Mortgage application. You can access the application form through the provided link or contact our team for assistance.

Start your loan application >

Secure Your Luxury Home with Ease

With Oak Leaf Community Mortgage’s Jumbo Mortgages, purchasing your luxury home or high-value property is more accessible than ever. Let us help you navigate the process with ease and confidence, bringing you closer to the home of your dreams.

Success Stories

As 30+ year real estate investors who purchase distressed 1-4 family properties to rehab and sell to primary resident buyers, it is essential to have a lending relationship that we can depend on who fulfills our acquisition and construction funding needs. Joseph LaGiglia, Angie Petrizzo, and the whole team at Oak Leaf Community Mortgage, who is powered by North Shore Trust and Saving, is our “partner” in the true sense that old school community banking used to be known for. With rates and fees well below the traditional funding sources in our business, and having the confidence through our experience to know if they say they will close our loan they do, we are able to be a leading solution to homeownership needs within the communities we are focused in. Thank you OLCM for another successful closing.

- Joe S.

I would 10/10 recommend Oak Leaf Community Mortgage to anyone!! I have been in the financial services industry for more than 15yrs and these guys (and gals) knock it out of the park! Joe LaGiglia and crew are one of kind, they truly care about your situation and work hard to ensure you are in the right product/timing/finances for your needs. They are extremely responsive, friendly and knowledgeable and make the home buying experience a breeze. Using Oak Leaf is a no-brainer…you won’t regret it!

- Hannah S.

I recently refinanced with Joseph LaGiglia at Oak Leaf and could not be happier with the process. I was told, upfront, the time to refinance was extended due to the low rates prompting many to refinance. He offered a solid rate and locked it in after initial paperwork was completed. I received multiple phone calls from members of the team to update me on the process. A small, but communicated snag, was hit and my closing was pushed back one week. Joe was empathic on the process as he walked me through the final days until close. At close, I asked the title company about the rate and was told, “That is a good rate for a 15 year, and you are at a 30!” Communication is vital, and the team at Oak Leaf was beyond my expectations. If rates ever go this low again, I will call. I recommended Joe/Oak Leaf to my friends and family.

- JP M.

Frequently Asked Questions

Jumbo Mortgages are designed for higher-value properties that exceed the limits set for conventional mortgages. They cater to properties that require larger loan amounts not covered by conventional loans.

Interest rates for Jumbo Mortgages can vary but are often slightly higher than rates for conventional mortgages. However, the actual rate you receive depends on various factors, including your credit score, down payment, and lender. Our experts can provide you with personalized rate information.

Closing costs for Jumbo Mortgages may include items such as appraisal fees, title insurance, origination fees, and more. The specific costs can vary based on the lender and your location. Our team can provide you with a detailed breakdown of closing costs associated with your Jumbo Mortgage.