A map of US cities in which East West Bank has locations.

The conforming and high balance home loan programs are ideal for salaried or self-employed borrowers who can document income and assets required to qualify for the loan.

 


 

Purpose

Purchase, Refinance and Cash-Out Refinance1

 


 

Available Programs

  • Conventional Fixed Rate Mortgage

 


 

Terms

  • Available in a variety of loan term options.
  • Your interest rate and monthly principal and interest (P&I) payments remain the same for the life on the loan.

 


 

Maximum Loan Amount For Conforming Full Documentation Loans2

1 Unit      $647,200

2 Unit      $828,700

3 Unit      $1,001,650

4 Unit      $1,244,850

 


 

Maximum Loan to Value

Up to 95% depending on property type and loan purpose

 


 

Occupancy

Owner-Occupied/Second Home/Investment

 


 

Property Type

  • Single Family Residence (1-4 units)
  • Condominiums (Fannie Mae warrantable)
  • Planned Unit Developments (Fannie Mae approved)
  • Townhomes

 


 

Eligible Borrowers

U.S. Citizens and Permanent Residents, Non-Permanent Resident Aliens with a valid Social Security Number/Tax Identification Number and proof of current legal residency in the U.S.

The Bridge to Home Loan Program is designed for borrowers who do not fit into the “standard boxes” of many of the large lenders. There are various ways to qualify for the Bridge to Home Loan Program with income or assets (not including equity in subject property).

Our mortgage program features include no pre-payment penalty, adjustable and fixed rate payment options.

Additionally, there is no minimum credit score required if your current history of paying bills is as agreed.

 


 

Purpose

Purchase, Refinance and Cash-Out Refinance1

 


 

Available Programs

  • Adjustable Rate Mortgage (ARM)
  • Fixed Rate Mortgage

 


 

Terms

  • 3/1 ARM2
  • 5/1 ARM
  • 30 Years Fixed

 


 

Features

  • Your interest rate and monthly principal and interest (P&I) payments remain the same for a defined initial period, then adjusts annually when that initial period is over.
  • Includes an interest rate cap that sets a limit on how high or how low your interest rate can go.

 


 

Maximum Loan Amount

$3,000,000

 


 

Maximum Loan to Value

50%

 


 

Occupancy

Owner-Occupied/Second Home/Investment

 


 

Property Type

  • Single Family Residence (1-4 units)
  • Condominiums
  • Planned Unit Developments
  • Townhomes

 


 

Eligible Borrowers

Individuals (including married or joint applicants), LLCs, Corporations, Trusts, Foreign Nationals, and Non-Permanent Resident aliens.

This conforming and high balance full documentation mortgage product is designed for low-to-moderate income borrowers and buyers in designated low-income, minority, and disaster-impacted communities. The product has a low down payment requirement and offers flexible qualification guidelines. Full income and asset documentation are required.

 


 

Purpose

Purchase, Rate & Term Refinance

 


 

Available Programs

Conventional Fixed Rate Mortgage

 


 

Terms

Your interest rate and monthly pricipal and interest (P&I) payments remain the same for the life on the loan.

 


 

Maximum Loan Amount For Conforming Full Documentation Loans1

1 Unit      $647,200

2 Unit      $828,700

3 Unit      $1,001,650

4 Unit      $1,244,850

 


 

Maximum Loan to Value

Up to 97% depending on property type and loan purpose

 


 

Income Limits

80% of the Area Median Income (AMI) for the property location

 


 

Occupancy

Owner-Occupied

 


 

Property Type

  • Single Family Residence (1-4 units)
  • Condominiums(Fannie Mae warrantable)
  • Planned Unit Developments(Fannie Mae warrantable)
  • Townhomes

 


 

Eligible Borrowers

U.S. Citizens and Permanent Residents, Non-Permanent Resident Aliens with a valid Social Security Number/Tax Identification Number and proof of current legal residency in the U.S.

Need help?

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877-392-6868

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Mon - Fri: 8:30 am to 5:30 pm PT

Disclosure

All rates, fees, products and program guidelines are subject to change or discontinuance without prior notice. Other limitations and restrictions may apply. All loans are subject to East West Bank’s application, underwriting, appraisal, and credit approval. Program is available in selected counties of California, Georgia, Massachusetts, Nevada, New York, Texas and Washington.

1 A cash-out refinance is allowed only on Second Home and/or Investment Properties in the state of Texas. Cash-out is restricted to 50% maximum loan-to-value (LTV) in New York state only.

2 High balance loans are available in some areas that provide higher loan amount limits. Please contact one of our designated Loan Specialists for this loan program for details are based on your location. Maximum loan limits are determined by geographic area.

Disclosure

All rates, fees, products and program guidelines are subject to change or discontinuance without prior notice. Other limitations and restrictions may apply. All loans are subject to East West Bank’s application, underwriting, appraisal, and credit approval. Program is available in selected counties of California, Georgia, Massachusetts, Nevada, New York, Texas and Washington.

1 A cash-out refinance is allowed only on Second Home and/or Investment Properties in the state of Texas. 

2 3/1 ARM is not available in New York state.

Disclosure

All rates, fees, products, and program guidelines are subject to change or discontinuance without prior notice. Other limitations and restrictions may apply. All loans are subject to East West Bank's application, underwriting, appraisal, and credit approval. Program is available in select counties of California, Georgia, Massachusetts, Nevada, New York, Texas, and Washington. A cash-out refinance is allowed only on Second Home and/or Investment Properties in the state of Texas.

1 High Balance loans are available in some areas that provide higher loan amount limits. Please contact one of our designated Loan Specialists for this loan program for details are based on your location. Maximum loan limits are determined by geographic area.