High-Balance Residential Mortgages

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Programs

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JUMBO

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ULTRA-JUMBO

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NON-WARRANTABLE CONDOS

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FOREIGN NATIONALS
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FANNIE MAE Multifamily

At Vivo Capital, we offer a full spectrum of multifamily financing solutions designed to empower your investment with excellent terms and highly competitive, tiered pricing. Whether you’re purchasing or refinancing apartment properties, our loan options are customized to fit your unique needs. From small loans to specialized financing for senior housing and beyond, our tailored products deliver flexibility and efficiency to support your growth. Discover the advantage of comprehensive financing solutions that not only meet your goals but elevate your investment strategy with Vivo Capital’s expertise and commitment.

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FREDDIE MAC Multifamily

We offer tailored loan solutions that adapt to your needs, whether it’s a modest or substantial loan requirement. Through the Freddie Mac Multifamily platform, we bring you forward-thinking financing options designed to leverage today’s market opportunities. Our multifamily loans feature unique advantages like interest-only options, along with the flexibility to overcome transactional or operational challenges, ensuring you close on the loan that best suits your investment. Experience the best of Freddie Mac with the added power of Vivo Capital—delivering value, flexibility, and expertise for every stage of your investment journey.

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JUMBO

Jumbo loans are just that –larger amounts of funds for luxury properties and homes in high-cost areas.

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ULTRA JUMBO

Vivo Capital, makes a suitable partner when looking to finance ultra-luxury or high-end residential real estate assets. Through our Jumbo and Super Jumbo underwriting expertise, we offer mortgage products that have flexibility of borrowing with less restrictions. They can be used to finance primary residences, second or vacation homes, and investment properties. A Jumbo Loan may also be the right option when refinancing an existing home loan or consolidating multiple mortgages into a single loan.
A mortgage is generally considered a Jumbo Loan when it exceeds the conforming loan limit, $484,350 in most U.S countries, set by Fannie Mae and Freddie Mac. Super Jumbo Loans usually include mortgage amounts over $1 million.

Some of the program highlights:

  • Typical Loan amounts to $30,000,000*

    Higher amount available

  • 90% LTV considered with pledge assets
  • 100% LTV considered with cross collateralization
  • Interest only options available
  • Vesting in trust, sub S corporations, LLCs and partnerships allowed
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JUMBO Int-Only ARM

Our Jumbo Interest-Only ARM is ideal for high-NetWorth homebuyers who prefer a lower monthly payment during their first years of their loan.

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CONVENTIONAL

Conventional loans are not insured by the FHA or VA. Generally, these are a good option for homebuyers with higher credit scores and stable employment histories.

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FHA Loans – Fixed-rate and ARMs, high-balance

An FHA loan is partially insured by the Federal Housing Administration (FHA), an agency created in 1934 to help borrowers and businesses recover from the Great Depression.

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FHA 203(k) Fixed Rate Rehab

An FHA 203(k) Rehab loan enables you to buy a home that’s in need of repairs or renovations by providing additional funding before move-in.

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FHA Streamline Refinance

If you currently have an FHA mortgage, an FHA Streamline Refinance offers several options.

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USDA Loans

Designed for homebuyers in rural locations who do not qualify for a conventional loan. They feature low down payments and relaxed qualifying guidelines. Properties must be in a rural area designated by the US Department of Agriculture.

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VA Streamline Refinance (IRRRL)

A VA Streamline Refinance, or IRRRL, provides you with a faster way to lower or lock in your interest rate with limited costs.

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VA Loans – Fixed-rate and ARMs, high-balance

VA loans are partially insured by the U.S. Department of Veterans Affairs (VA) and are a valuable benefit for military veterans and active servicemen and women.

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  • Non-Owner Occupied Only
  • Purchase, Refinance, Cash Out, Rehab
  • 50 – 80% LTV
  • $100K to $100Million
  • Single Family, Condos, Multifamily, Construction
  • Interest Only Payments
  • Stated Income
  • Stated Assets
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Non-Prime Wholesale

  • Up to 90% LTV
  • No Seasoning on Major Credit Events
  • Loan amounts to $5 million
  • Credit Scores Down to 500
  • Interest Only Payments Available
  • No Prepayment Penalties Available
  • 30-year amortizations
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Outside Dodd-Frank®

  • No Income Verification
  • Non-OOC, Business Purpose, Cross-Collateral
  • Foreign National Programs
  • 1 – 4 Unit Properties
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Bank Statement Mortgages

Have a self-employed client who has had difficulty obtaining a mortgage?

  • No Tax Returns Required
  • Personal Bank Statement qualified based on 1, 12, or 24-month average monthly deposits**
  • Business Bank Statement qualified based 1, on 12 or 24-month average monthly deposits**
  • Loans to $3 Million
  • Interest Only Available*
  • 2 Years Seasoning for foreclosure, short sale, bankruptcy, deed In lieu
  • Owner-Occcupied, 2nd homes, investment properties allowed
  • Non-warrantable condos considered
  • Gift funds allowed
  • No pre-pay penalty for owner-occupied and/or 2nd homes
  • SFRs, town homes, condos, 2-4 units
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Investor Cash Flow

Attention real estate investors – Are you looking to expand or build your real estate portfolio?

Our investor cash flow program was created to serve your real estate investment goals.

  • Loans to $1.5 million
  • No personal income used to qualify
  • Qualification based on property cash flow
  • 2 years seasoning, foreclosure, short sales, or bankruptcy, deed in lieu
  • No tax returns required
  • Interest Only Option†

SOME OF OUR APPROVED
PREFERRED RESIDENTIAL LENDERS:

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