Jumbo A+ Fixed

The OFC QM Jumbo program is ideal for borrowers who exceed standard conforming limits but still want a full documentation, qualified mortgage (QM) solution with consistent underwriting and predictable repayment terms.

Ideal Borrower Profile

Professionals Purchasing in High-Cost Areas
Doctors, executives, and salaried borrowers who need more borrowing capacity than conventional loan programs provide.

Established Homeowners Seeking to Refinance
Clients who are looking to reduce their rate or access equity—while remaining in a QM, fixed-rate product with straightforward guidelines.

Buyers with Strong Credit and Documented Income
This program prioritizes borrowers who qualify based on strong W-2 income or verifiable full-doc self-employment.

Real Estate Investors Purchasing or Refinancing Rentals
Borrowers purchasing or refinancing 1–4 unit investment properties with stable rental income and proper documentation.

Second Home Buyers with Prime Credit
Clients who want to finance a vacation or secondary residence without needing to enter a non-QM space.

Great Option For Borrowers Who Need Higher Loan Amounts

Designed for primary residences, second homes, and investment properties, this product gives creditworthy borrowers access to higher loan amounts. Borrowers benefit from clean 30-year fixed terms, straightforward AUS-driven approvals, and the ability to include both first and second mortgages when needed. This makes the program especially valuable for homebuyers and homeowners in high-cost areas who have strong credit profiles and want to refinance or purchase without compromising stability.

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Solutions For Borrowers

Jumbo borrowers often face confusing documentation, volatile pricing, or unnecessarily strict overlays. The OFC QM Jumbo program tackles these common pain points by offering clarity, flexibility, and full agency compliance.

Borrowers Need More Than Conforming Limits
This product extends access to larger loan amounts for those who qualify through traditional full-doc means—ideal for markets with high property values or buyers moving up.

Risk-Averse Clients Want Fully Qualified Loans
Some borrowers simply don’t want non-QM terms. This loan stays within QM guidelines while offering the higher capacity they need.

Investment Property Loans Are Hard to Structure
This program offers a clean solution for purchasing or refinancing investment properties, eliminating the confusion around overlays and underwriting exceptions often seen in jumbo non-QM products.

Self-Employed or Non-Resident Borrowers Get Turned Away
By clearly defining the documentation required and disallowing certain high-risk borrower profiles, this program sets clear expectations and delivers reliable execution for qualified clients.

Loan Stacking & Second Loans Add Complexity
This loan allows for cash-out using both first and second positions when necessary—simplifying the financing structure for clients looking to manage liquidity efficiently.