FCB Mortgage Partners
Overview of Private Bank Custom Jumbo Mortgages
Our client-focused approach offers the flexibility to develop the right solution for each borrowing need.
- Minimum loan amount of $500,000 – no maximum
- Fixed or Adjustable rate options available based on LIBOR and Treasury indices
- Terms up to 15 years with amortization schedules of up to 30 years
- Up to 100% financing through the pledge of additional collateral – avoid liquidating assets for a down payment
- Various payment options to match current cash flow, including interest-only and quarterly payments, as well as balloon payments to coincide with a future liquidity event.
| Product Features | Custom Program |
| Availability | All 50 States and DC 6 month LIBOR |
| Adjustable rate mortgages | 1/1, 3/1, 5/1 Treasury Any term up to 15 years |
| Fixed rate mortgages | Any term up to 15 years Fixed: Any time period-max 5 years |
| Interest only option | ARM: 3 or 5 year option |
| Minimum/maximum loan amounts | $500,000 and up |
| Amortization | Any amortization up to 30 years (not bound by loan term) |
| Balloon option | Yes |
| Quarterly Payments | Yes |
| Uneven Payments | Yes |
| 100% financing | Yes – requires pledge of other collateral |
| Bridge loans | Yes |
| Prepayment penalty options | No |
| Application fee | None |
| Late payment fees | No |
| Asset owned by Private Bank | Yes Individuals Trusts |
| Borrowing Entities | Certain partnerships, corporations or companies when such have been created for the purpose of holding residential property for protecting borrower’s privacy or estate planning. |
| Private Mortgage Insurance (PMI) | No |
| Escrows (Impounds) | No |
| Construction financing | Yes |
| Second and third residences | Yes |
