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Posted by Thomas (TJ) Underwood on 01/04/2014

Jumbo Mortgage Loans

In the Atlanta area—and throughout the Country (United States) Jumbo Mortgages (those $417,000 and up in Metro Atlanta—and $625,000 and up in other high cost areas) have recently fallen to a level that is in line with conventional loans.

Not since the early 1990’s when I first began my real estate career have I seen jumbo loans at or below those of conventional loans. 

If you are one who are shopping for a Jumbo Loan or anticipate shopping for one this year and you have a credit score of 740 or above you can find loans on par with that of conventional loans—roughly 4.25% in January of 2014—in the Metro Atlanta area.

If you only plan on staying in your Luxury Home for only a couple of years—you can find adjustable rate loans in Metro Atlanta in the upper 2% range—for a 5 year Adjustable-Rate-Mortgage.

In an effort to lend money to those with good credit and who desire a Luxury Home that needs financing with a Jumbo Mortgage—many lenders are requiring only a 15% down payment instead of the traditional down payment of 20%.

Keep in mind that when dealing with Jumbo Loans the “Big Banks” normally offer the most competitive rates—so be sure to comparison shop appropriately.

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About This Article:


The above article was written by Thomas (TJ) UnderwoodThomas (TJ) Underwood is a former fee-only financial planner, a former top producing loan processor and is currently a licensed real estate broker in the state of Georgia. 

He is the writer behind The Real Estate & Finance 360 Degrees Series of Books that include The Wealth Increaser, Home Buyer 411 The Smart Guide to Buying Your Home, Home Seller 411 The Smart Guide to Selling Your Home, and  Managing & Improving Your Credit & Finances for this MILLENNIUM.

In addition he is also the writer who created The 3 Step Structured Approach to Managing Your Finances, and CREDIT & FINANCE IMPROVEMENT MADE EASY—NEW GUIDE that you can download right now "(at MIMIMAL cost $3.95)" to learn more about his writing style and how you can achieve "more" success in the current economy.

He is the creator of where he regularly blogs about helping consumers improve their credit, finance and real estate pursuits in an intelligent, consistent and proactive manner. 

He’s always looking for ways to make intelligent finance improvement happen for those who “sincerely desire” success in their future. He was the first financial planner to coin the phrase "financially alert mind"  and he consistently writes in a style that is designed to provide consumers the ability to take control of their lives and achieve great results.

You can contact him from a number of sources but the most direct way is to contact him through the contact us block that can be found at the bottom of this page.  You can also get highly relevant tips on "living your life more abundantly" and link to and possibly earn revenue by logging on to

He is also an IRS registered tax planning professional with over 30 years of tax experience and can be reached at:



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