Jumbo A+ ARM
The OFC Jumbo A+ program was designed for creditworthy borrowers who need access to high-balance financing without compromising on stability, transparency, or flexibility.
Ideal Borrower Profile
Professionals in high-cost markets
Doctors, attorneys, executives, and other salaried borrowers purchasing or refinancing homes in markets where prices exceed standard loan caps.
Borrowers with established credit history and strong financials
Clients who are used to being low-risk and expect efficient service in return.
Homeowners refinancing to secure a fixed rate on a large loan
Especially useful for borrowers moving from an ARM or looking to lock in a longer-term solution.
Equity-rich homeowners looking to access liquidity
Borrowers using cash-out refinancing as a tool to fund new opportunities, consolidate debt, or invest in upgrades to their home.
Built For For Financially Stable Individuals
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Solutions For Borrowers
Jumbo borrowers often face more restrictive requirements and slower processes than conventional loan applicants—even when they present lower risk. The OFC Jumbo A+ program helps alleviate those challenges with a more pragmatic and efficient approach.
✅ Standard Loans Just Aren’t Big Enough. This product is perfect for buyers whose home price or refinance needs exceed conforming limits, allowing them to finance a higher-priced property without having to split the loan.
✅ High-Income Borrowers Still Face Roadblocks. Even with strong income and clean credit, high-balance borrowers can run into complex overlays. This program cuts through that with clear, consistent underwriting and a focus on borrower strength.
✅ Cash-Out Isn’t Always Easy. For clients looking to tap into their home equity for investments, renovations, or personal liquidity, this product offers a cash-out option that’s accessible and streamlined—without layers of restrictions.
✅ Limited Property Type Eligibility. While some jumbo loans restrict property types, this program includes common and desirable residences such as single-family homes, PUDs, townhomes, and warrantable condos.
✅ Second Home Borrowers Can’t Always Qualify. This product focuses exclusively on primary residences—making it a powerful solution for borrowers who live in their properties and want strong long-term financing without second home complications.