89.99% Jumbo Loans!

Our jumbo loan program can help you purchase or refinance a home with a low rate, no mortgage insurance, and only about 10% down.

Primary & Second Homes
located in SC, NC, VA, WV, MD, DC, OH, KY, PA

Loans up to $2,000,000
no minimum loan amount

No Mortgage Insurance!
saves you $$

Purchase Transactions

  • Primary Residences and Second Homes
  • No Mortgage Insurance
  • Seller can pays costs up to 6% of value
  • Single-Family Homes, Townhomes, warrantable Condominiums
  • Title can be held in a revocable trust
  • Eligible for Power of Attorney Closing

Refinance Transactions

  • Primary Residences and Second Homes
  • No Mortgage Insurance
  • Cash-out up to $500,000 in equity (with 80% LTV)
  • Single-Family Homes, Townhomes, warrantable Condominiums
  • Title can be held in a revocable trust
  • Eligible for Power of Attorney Closing

Customer Reviews

⭐️⭐️⭐️⭐️⭐️

"Excellence from start to finish! We purchased a home in April of 2018 and The Kristoff Team was brilliant. I have several business so my tax returns are not the easiest, but Nick and Mike handled them like champs…they even found an error in one of my documents and were helpful in getting everything corrected. We discussed several loan programs and reviewed the benefits of each. I was able to pick a program that let me do some minor renovation work on the home. They also sent me emails along with way with video and status updates. The program and rate are great and my wife and I are so thrilled to be the owners of our new home! Would definitely recommend The Kristoff Team to anyone looking for a mortgage."

Stephen B.  -  Bluffton, SC

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"Mike and Nick Kristoff were absolutely wonderful to work with on the mortgage for our new home on Hilton Head. They helped us navigate through the tons of paperwork required by the government. Since we currently live in Michigan, the document systems they set up were very helpful in transmitting forms easily and securely over the internet. It was a pleasure doing business with them and if we ever need another mortgage we would definitely go with the Kristoff Team. We highly recommend them to anyone looking to apply for a mortgage."

Cheryl B.  - Bloomfield Hills, MI

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"I’ve known Nick and Mike for nearly 10 years, and I believe they are they are two of the best minds in this business. What makes them different is that they care about the details. They care about finding solutions to your problems. You will not feel like just another number in a line for them to push through their system. They care about educating you. And they care about guiding you to make a wise and informed decision. When I need a mortgage or to make a decision to refinance, The Kristoff Team is a trusted source of advice for me and my family. Their demand for excellence will show up from start to finish in all that they do."

Zach Y.  -  Bluffton, SC