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Jumbo Mortgages With Only 5% Down

At LoanBud, we offer jumbo loans with as little as 5% down so you can preserve liquidity and close on your dream home.

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Don't Choose the Wrong Jumbo Lender

Getting a jumbo mortgage is tough. As a jumbo loan applicant, the risk of your loan being denied is much greater due to strict qualifying requirements. If your loan is denied, you could:

❌ Miss your closing date
❌ Lose out on your dream home
❌ Forfeit your earnest money deposit
❌ Waste your time and money

I am dedicated to helping people just like you get approved for jumbo loans with as little as 5% down and flexible guidelines.  People who want to avoid wasting time and money working with the wrong jumbo lender.

Why LoanBud?

We host a variety of products that can help suit your individual needs. Some of the benefits are:


Preserve liquidity with as little as 5% down up to $2 million and as little as 10% down up to $5 million.


We allow as low as 620 FICO scores for Jumbo Loans. Recent bankruptcies, short sales or foreclosures may be acceptable.


We allow jumbo mortgages up to $10 million for those purchasing higher value properties.


Jumbo refinances have no cap on the amount of cash you can receive up to the program LTV limits.


We offer several ways to qualify without using tax returns so you can get approved for your Jumbo loan.


In addition to primary residences, we provide Jumbo mortgages for second homes and investment properties.

What My Clients Have To Say:

"Interfirst and Jim provided us an enjoyable experience. Jim was great. Really easy to work with, not pushy at all, like some other lenders. Extremely responsive and helpful. Would definitely go back to him.
His style meshed well with me since I've been through this before. Might be a little too hands-off for a first-time home buyer, but I loved it. He got me a low rate and the lowest closing costs I could find. Hard not to be happy!"



“I was worried about getting my loan closed because my prior lender dropped the ball two weeks before closing, causing me to lose the house. Jim Machometa closely guided us through the entire loan process and anticipated what we would need to provide upfront, which gave us confidence when submitting to underwriting. In addition to providing me with amazing customer service, he was able to get me approved and purchase our dream home. I highly recommend Jim Machometa and no one else but his team; they are beyond the best!”



"James was very easy to work with. He talked in a smooth easy to understand manner He made sure that I understood what he was telling me about the loan process. He was easy to get a hold of if I ever had any questions. He was extremely knowledgeable in all phases of the finance business. It was a pleasure to have James handle my financial needs. You are fortunate to have James in your employ ."

Gail I.


Getting a Loan with Jim Machometa
is as Easy as 1, 2, 3 ...


Schedule a Consultation

Schedule time on my calendar so I understand your goals and help create a plan.


Know Your Options

Discover what options are available to you and have confidence knowing your income has been reviewed up front.


Close Your Loan

Relax as I guide you through a stress-free loan process so you can close on time.


What is a Jumbo Loan?

A jumbo loan is a mortgage that is used to finance a home that is too expensive for a conventional conforming loan. The local conforming loan limit is set by the Federal Housing Finance Agency (FHFA). In 2022, the conforming loan limit for a one-unit property is $647,200 in most counties, although it can be as high as $970,800 in certain high-cost areas.

If you’re considering purchasing a high-value or luxury home, a jumbo loan may be right for you.

What are the requirements for a jumbo loan?

Unlike conventional home loans, Jumbo loans are not guaranteed by Fannie Mae and Freddie Mac, so the lender is not protected from losses if the borrower fails to pay back their loan. This means that they are riskier to the lender. Because of the higher risk, the requirements are often more stringent than that of a conforming loan.

Here's how LoanBud makes it easier for you to qualify for a jumbo loan:

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What are your jumbo mortgage rates?

Jumbo loans can come with higher interest, but that isn’t always the case. Borrowers may find jumbo loans with interest rates comparable to those of conforming or conventional loans.

Many factors will determine the final interest rate, so it’s important to speak with a loan officer who understands jumbo mortgages.

How much should my down payment be for a jumbo loan?

Most banks require down payments as high as 30% or more for Jumbo loans, which can feel overwhelming to anyone looking to purchase a large home. At LoanBud, we believe that Jumbo Loan borrowers should not have to put a larger percentage down than everyone else, so we allow jumbo mortgages with 5% down.

Can I get a jumbo cash out refinance?

Yes, at LoanBud we allow for jumbo cash out refinances up to 85% of the appraised value of the property. We can also offer a post-closing Home Equity Line of Credit (HELOC) for an additional 10%, bringing the total leverage to 95% of the appraised value.

What is the maximum cash out on a jumbo refinance?

We believe the equity in your home belongs to you, and that limiting the amount of cash back one can receive from a refinance is just wrong. Unlike other lenders, at LoanBud we do not limit the total amount of cash back you can receive.

Get Approved for a Low Down Payment Jumbo Mortgage

At LoanBud, we know if you’re purchasing a home over $700k you are the kind of person that wants to be successful. In order to be that way, you need a Jumbo mortgage. The problem is, most banks have very strict guidelines and massive down payment requirements, which makes you feel frustrated and overwhelmed. I believe that Jumbo Loan borrowers should not have to put a larger percentage down than everyone else. I understand how frustrating it can be for people to struggle with getting a Jumbo Mortgage Loan. That’s why we allow lower down payments with flexible credit and underwriting guidelines.

Here’s how it works:

  1. Schedule a Consultation
  2. Know Your Options
  3. Close Your Loan

Schedule a consultation with me today so you can stop worrying about a mortgage and start enjoying your dream home.



Mortgages for investment properties and Airbnb homes with no income documentation required.



Piggyback loans with as low as 5% down and no mortgage insurance.

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