A lower monthly payment consisting only of interest during the initial interest-only period

Available with a variety of fixed and adjustable rate products

Recommended for homebuyers looking to increase their short-term cash flow and who intend to move or refinance within a few years

Mortgage amounts in excess of the conforming loan limit set by Fannie Mae and Freddie Mac

Also known as non-conforming loans

Typically carry higher interest rates

Recommended for homebuyers who need financing to purchase more expensive property or investment-minded buyers who can make a large purchase, but want to leverage their assets more effectively

A fixed rate loan up to the conforming loan limit, combined with an adjustable-rate second mortgage to cover the rest of your home purchase

Lower monthly payments than with regular jumbo loan for the same total amount

Recommended for buyers who want a jumbo loan amount with lower monthly payments

Financing to purchase a new home before the existing home is sold

Recommended for homebuyers looking for financing that allows them to temporarily own two homes at the same time

Combines a first mortgage with a home equity loan

Home equity loan can supplement down payment funds to bring the loan-to-value ratio down to 80%, bypassing mortgage insurance costs

Recommended for homebuyers without enough cash on hand for a large down payment or homebuyers who don’t want to liquidate higher-yielding investments for a down payment

Bypasses mortgage insurance costs when loan-to-value ratio is more than 80%

Money that would have gone to mortgage insurance goes instead to interest payments that are generally tax deductible

Recommended for homebuyers without enough cash on hand for a 20% down payment or homeowners who plan to move or refinance within 10 years

A comprehensive loan program designed for corporate transferees

Offers home financing to employees of corporations that have formed relationships with us

Recommended for homebuyers who are relocating as part of a corporate transfer

Mortgage-financing solutions that complement your wealth-management strategies

Personal attention from a specialist empowered to manage your financing, from application through closing

A dedicated customer-service line for loan servicing

Recommended for high net-worth individuals needing distinctive home-financing solutions or customers with complex financial situations.