Large Loans

High-Balance and Jumbo mortgage loans (large loans) are often a necessity for borrowers looking to buy or refinance a more expensive home or for those who wish to make a smaller down payment. They are available for qualified borrowers looking to purchase or refinance primary or secondary residences, investment properties or vacation homes. If you require a large loan that exceeds the conforming loan limit of $510,400, we offer both High Balance and Jumbo loans. Each loan type is subject to specifications based upon established loan size limits by the Federal Housing Finance Agency (FHFA). Review the information below and contact our experienced team to determine the loan type and size that best fit your needs.

High-Balance Mortgage Loans

A High-Balance Mortgage loan is defined as a conventional mortgage loan where the loan amount exceeds the conforming loan limit of $510,400 and is available up to $765,600 This loan is available for qualified borrowers who are looking to finance a 1-unit dwelling within a designated "high-cost" area. "High-cost" areas and loan limits are established annually for each county (or equivalent) by the FHFA. Fremont Bank offers High-Balance Mortgage loans with No Closing Costs and with Points options.

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Jumbo Loans

A Jumbo loan is a mortgage with a loan amount exceeding the conforming loan limits set by the FHFA. Jumbo loans are typically for borrowers who require loan amounts greater than $510,400, up to a limit of $5 million. They typically have higher interest rates and stricter underwriting rules than conventional loans. However, Fremont Bank offers competitive rates on our jumbo loans including fixed and adjustable rate mortgage loan products to choose from. We also offer portfolio loan products with more flexible underwriting guidelines.

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Speak with one of our loan officers about how a large loan can help you secure your next home or refinance your current one.

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Loan Resources

Fremont Bank is dedicated to providing assistance to guide you through the home loan process. Check out our Loan Resources page where you can check the status of your loan, find out how to get pre-approved, review options regarding loan payments and view informative videos.
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Today's Rates

View our rates to find a loan that suits your borrowing needs. We offer competitive rates and flexible terms on Purchase loans, Refinance Loans, Large loans and Home Equity Lines of Credit for qualified buyers. You can also see customized rates based on your own situation.

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Rate Watch

Are you interested in refinancing or purchasing a new home, but not sure yet? Do you want to know what the market is doing and be alerted when rates start to drop? Sign up for Fremont Bank's Rate Watch Email.

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Loan assumptions and Disclosures

This is not a credit decision or a commitment to lend. Loan interest rates are based on current market rates, are subject to pricing adjustments related to several factors including, but not limited to, property type and location, loan amount, loan type, loan-to-value, occupancy type, borrower credit history. Mortgage insurance may be required if loan-to-value (LTV) is higher than 80% which could increase the monthly payment and APR.

No Closing Cost loans are subject to terms and conditions of Fremont Bank's Application Fee Agreement, which lists the specific costs and fees the borrower will not pay. An application fee may be required after a loan application is submitted, which will be refunded as a credit on your Closing Disclosure statement. Application fee is non-refundable if your loan is denied, withdrawn or does not close for any reason. Borrower is responsible for paying all fees and charges imposed by brokers or an existing third party lender (for example, payoff demand statement fee and/or a reconveyance fee) as well as any prepayment penalty imposed by any third party lender or Fremont Bank. Loans with lower nominal interest rates may be available to borrower willing to pay points and fees.

Loans with points and/or fees (Closing Costs) may have a lower nominal interest rate than “No Closing Cost" loans. Discount points are a form of prepaid interest paid up front in exchange for a lower interest rate. The reduced interest rate will only save money over a long term; the longer a borrower plans to live in the home, the better the chance of reaching the "break-even" point. There are a variety of points and fee options, so please ask your loan officer about available programs to help you decide whether paying points is an option for you. 

Refinancing to lower your monthly payment may extend the number of monthly payments and/or the total amount paid when compared to your current situation. Other loan programs are also available. If you are a servicemember on active duty, prior to seeking a refinance of your existing mortgage loan, please consult with your legal advisor regarding the loss of any benefits you are entitled to under the Servicemembers Civil Relief Act or applicable state law.

Program available for properties located in select counties in CA and NV. Not all loan programs are available in all areas for all loan amounts.  Actual rates may vary. Loans subject to credit qualifications and underwriting requirements. Property type and other restrictions may apply. Other loan programs available. Call for details.