We recently closed a $3.2 million super jumbo rate-and-term refinance for a primary residence in Apache Junction, Arizona, delivering a 40-year, fully amortized, fixed-rate loan designed to improve long-term cash flow significantly.
The borrower qualified using just one year of tax returns, leveraging W-2 and RSU income, a structure that many conventional lenders struggle to accommodate at this loan size. Despite the complexity of the profile, we moved the loan from initial underwrite to clear-to-close in under three weeks, executing quickly without sacrificing precision.
Most notably, the new loan came in 0.25% lower than the borrower’s prior rate, reducing monthly payments while locking in long-term stability with no balloon and no adjustable features, an ideal outcome for a high-net-worth borrower seeking certainty in today’s rate environment.
This transaction highlights how flexible documentation, smart structuring, and lender access can unlock superior outcomes, even on large balance loans, when speed and expertise matter.
Loan Details
- Location: Apache Junction, AZ
- Loan Program: 1-Year Full Doc Program
- Loan Amount: $3,200,000
- Transaction Type: Rate & Term Refinance
- Property Type: Single-Family Residence (Primary)
- Loan-to-Value: 71%
- Credit Score: 752
- Loan Term: 40-Year Fixed
We specialize in non-traditional and large-balance financing solutions, including jumbo, super jumbo, and extended-term fixed-rate loans, structured to improve cash flow and close efficiently. If conventional lending isn’t delivering the execution you need, we’re built for exactly that.
