Jumbo Mortgage

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For higher-priced areas, it may be necessary to utilize a jumbo loan to purchase a home. Jumbo loan amounts start at $1 above the FHFA County Loan limits. In Honolulu, that is a loan amount over $726,525.


Since jumbo loans cannot be sold off to FNMA or FHLMC, it presents a greater risk to the lender, and therefore the rate is typically higher, and the requirements to qualify are typically stricter.

It's important to note here that there are dozens of different jumbo loan programs with multiple lenders. The information herein is meant to be a general description. For information specific to your scenario, please contact me directly.



  • Most lenders will require a 20% down payment to ensure borrowers who utilize jumbo loans share some of the risk. However, there are lenders that will allow up to a 5% down payment.


  • Typically lenders will have a max Debt-to-Income ratio of 43%. However, certain loan programs will allow up to 55% DTI.


  • For Cash Out Refinances, typically the maximum cash proceeds allowed to the borrower cannot exceed $500,000.

Not Sure If This Is The Right Program For You?

Don't Worry! My job is to figure that out for you. Send me an email or fill out an application!
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1003 Bishop Street Ste. 2700

Pauahi Tower

Honolulu, HI 96813

NMLS #1336741

Branch NMLS #1244222​

C2 Corporate site: www.c2financialcorp.com


Tel: 808-389-1138


© 2014 C2 Hawaii 

All Rights Reserved

C2 Financial Corporation is licensed by the NMLS #135622. Loan approval is not guaranteed and is subject to lender review of information. All loan approvals are conditional and all conditions must be met by the borrower. A loan is only approved when a Lender has issued an approval in writing and is subject to the Lender conditions. Specified rates may not be available for all borrowers. Rates subject to change with market conditions. C2 Financial Corporation is an Equal Opportunity Mortgage Broker/Lender. The services referred to herein are not available to persons located outside the state of Hawaii.

C2 Financial Corporation is approved to originate VA and FHA loans and has the ability to broker such loans to VA and FHA approved lenders.C2 Financial Corporation is not acting on behalf of or at the direction of HUD/FHA or the VA.