TheGoodPirates Home Loans offer an array of Jumbo Products that are structured to meet the needs of a broad range of borrowers.  TheGoodPirates offer programs for clients ranging from a 500 middle credit score to a 740 middle credit score.  TheGoodPirates also offer Jumbo loans with alternative income verification programs as well as asset to income conversion programs.  TheGoodPirates offer Jumbo Loans up to $2,000,000.00  The list below contains a few of our Jumbo Loan Products that will open the door to our borrowers allowing TheGoodPirates to satisfy the need for creative Jumbo Loan financing.     

1 day out of foreclosure, short sale, deed-in-lieu, or bankruptcy

Credit scores starting at 500

•Up to 80% LTV, up to 50% DTI

•Bank statement program for self-employed borrowers

•Loans up to $1 million

•Owner-occupied and second homes

•Non-warrantable condominiums

•30-year fixed with no pre-pay penalty


Investor Jumbo Loan

•Credit scores starting at 560

•Up to 80% LTV, up to 50% DTI

•Bank statement program for self-employed borrowers

•Loans up to $750,000

•Single-family, townhouses, 2-4 units, condominiums

•Maximum 20 properties financed

•Properties in LLC


5/1 Arm Jumbo Product

$2,500,000 Max Loan Amount

620 FICO Minimum, 65% LTV Max

Interest Only Option Available

1 Year out of Housing event

12 Month Bank Statements Acceptable Source of Income


•Credit scores starting at 640

•24 months seasoning for foreclosure, short sale, bankruptcy

•Up to 80% LTV

•Loans up to $2 million

•Owner-occupied and second homes

•30-year fixed – no pre-pay penalty

Qualification based on property cash flow

•No personal income used to qualify

•Credit scores starting at 660

•Up to 70% LTV

•1-4 Units and Condos (warrantable)

•Loans up to $1,000,000

•No limit on total number of properties financed

Maximum loan available $10 Million
Maximum loan to value available 85%
US Virgin Islands loan limited to $1,500,000.00.







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