Our jumbo loan program can help you purchase or refinance a home with a low rate and, in some cases, with only 15% down.
Primary Residences
SC, GA, FL, NC
Loans up to $3,000,000
with 30% Down Payment
85% Loan
For loans up to $1,000,000
Second Homes
SC, GA, FL, NC
Loans up to $2,000,000
Minimum Loan is $726,201
80% Loans
Purchase & Cash-Out Refinances
Investment Properties
SC, GA, FL, NC
Loans up to $1,500,000
Minimum Loan is $726,201
75% LTV to $900k
70% LTV to $1,500,000
Purchase Transactions
- Primary Residences, Second Homes, adn Investment Properties
- 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, Second Homes, and Investment Properties
- Cash-out up to $250,000 in equity (with 70%-75% LTV max)
- Single-Family Homes, Townhomes, warrantable Condominiums
- Title can be held in a revocable trust
- Eligible for Power of Attorney Closing
Customer Reviews
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"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 handled them like a champ…he 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. He 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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"Nick Kristoff was absolutely wonderful to work with on the mortgage for our new home on Hilton Head. He 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 for nearly 15 years, and I believe he is one of the best minds in this business. What makes him different is that he cares about the details. He cares about finding solutions to your problems. You will not feel like just another number in a line for him to push through his system. He cares about educating you. And he cares 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