Fixed Rate Loans
30 Year
Term
5.875%
Interest Rate
5.968%
APR
Jumbo & Interest-Only Fixed-Rate Loans
Big loans come with big stakes. A fixed-rate jumbo loan gives you the one thing every borrower values most: certainty. That means one locked-in rate and zero surprises—no matter what the market does.
Why Fixed-Rate Loans Work
Fixed-rate loans aren’t about chasing the lowest monthly payment today. They’re about locking in peace of mind for the future.
When you close, your interest rate and monthly payment schedule are set in stone. That means no market volatility, no adjustments, and no sudden surprises.
On a multimillion-dollar property, that kind of predictability matters.
Even a small bump in rates can mean thousands more every month. But with a fixed-rate, you know exactly what you’ll pay—month after month, year after year.
Fixed-Rate Mortgages: Key Benefits
Predictable Payments
A fixed-rate jumbo loan locks in your interest rate and monthly payment from day one. The result? It’s easier to plan ahead, protect cash flow, and move on new investment opportunities.
Flexible Terms
Whether your strategy is to pay down quickly or stretch payments over time, we offer 15- and 30-year terms that align with your long-term plan.
High Lending Thresholds, Same Stability
Whether your strategy is to pay down quickly or stretch payments over time, we offer 15- and 30-year terms that align with your long-term plan.
Customized for Complex Profiles
Owning multiple businesses, managing trusts, or earning income from different sources doesn’t complicate things with us. We build fixed-rate loans that align with your financial profile.
Are Fixed-Rate Loans the Right Fit?
A fixed-rate jumbo loan isn’t for everyone. But if any of these sound like you, it could be the right move.
Long-Term Property Holders
If you plan to live in or hold your property for 7–10+ years, stability matters more than shaving a fraction of a point off an intro rate. Fixed payments protect you from market swings and give you peace of mind for the long haul.
High-Value Buyers
When you’re purchasing a $2M, $5M, or even $20M+ property, a sudden rate adjustment can mean thousands more each month. Fixed rates allow you to lock in predictable terms, making it easier to protect cash flow on large assets.
Borrowers with Irregular Income
If your earnings rise and fall, a fixed-rate loan gives you something steady: a mortgage that stays predictable, even when the rest of your finances shift.
Fixed-Rate vs. ARM & Interest-Only: Which Fits You Best?
Different jumbo loan structures serve different goals. Here’s how each option stacks up.
Fixed-Rate Loans
Ideal if you want long-term stability and predictable payments. Fixed-rate loans protect you against rising rates and keep your financing steady for the duration of the loan term.
ARM (Adjustable-Rate Mortgages)
Generally best if you’re planning a shorter hold or expect to refinance. ARMs start with a lower fixed rate for the first 3, 5, 7, or 10 years, which keeps your payments down in the short-term. After that, the rate adjusts with the market.
Interest-Only Loans
Generally suited for those who want short-term flexibility but have a long-term plan. With an interest-only loan, you’re only required to pay interest for an initial period, which lowers your monthly outflow. That leaves more cash available for investments or renovations.
Jumbo Loan Programs
Explore Your Loan Options
Whether you want long-term stability or short-term flexibility, we’ll connect you with the jumbo loan program that fits your goals.
How We Take You From Consultation to Close
Every borrower has different goals. Some want predictability—others want the flexibility to keep cash free for investments. That’s why we offer multiple jumbo loan structures.
Application & Analysis
We start by reviewing your income, assets, credit, and cash flow to design a loan that fits your financial picture. That could mean structuring through an LLC, working with international assets, or finding solutions when traditional guidelines fall short.
Pre-Approval
Our pre-approvals carry weight because we verify the details up front, not later in the process. So when you make an offer, sellers and agents know you’re ready to close—not just testing the waters.
Loan Approval
We keep your file moving and anticipate lender requests before they cause delays. Most approvals come back in as little as 5–7 business days.
Closing
We coordinate directly with all parties and handle the details behind the scenes. The result? You show up to closing confident, prepared, and ready to pocket the keys.
Frequently Asked Questions
Why Clients
Choose Insignia
Our Team
Our brokers rank among the top 50 in the nation. They’re the people who cut through the red tape and open doors to niche lenders. But what matters more is what that means for you—speed, clarity, hands-on support, and a confident close.
Damon Germanides
Co-founder / Broker
Chris Furie
Co-founder / Broker
Neil Patel, CPA
Principal / Head of Sales
Julie Flatland
Head of Underwriting & Operations Manager
Michael Nassirzadeh
Broker Associate/Senior Commercial Loan Analyst
Noah Furie
Capital Markets
Jonathan Bulaon
Loan Originator
Todd William Harris
Head of Construction Lending & Broker Associate
Patrick Mckenna
Broker Associate
Romy Nourafchan
Broker Associate
Scott T. Sealey
Senior Loan Originator/First-Time Home Buyer Expert
Nick Van Dueck
Donabel Aguila
Loan Set Up
Richard Cadiente
Senior Processor
Jesebel Da Sagun
Senior Underwriter
Rhonda Ramirez
Loan Officer Assistant/Senior Processor
James DeBeck
IT Management
Euereze Tabar
Accounting
Who We Serve
Every client has a different story. Our job is to take that story, however complex it is, and turn it into a financing solution that works.
Private & High-Net-Worth Clients
Wealth rarely fits inside a template. Trusts, layered assets, and investment portfolios often confuse traditional underwriters. We know how to structure these profiles clearly and persuasively, ensuring you get the terms and speed your financial position deserves.
Entrepreneurs & Self-Employed Borrowers
Running a business comes with freedom and just as much complexity. Traditional lenders want pay stubs, not statements, contracts, or cash flow. We translate your true income picture into terms lenders understand, helping you qualify for the financing you deserve.
Foreign National & International Clients
Cross-border finances can be complicated. Whether you’re earning abroad, managing global investments, or buying property in the U.S., we connect you to lenders who understand international assets and residency requirements so approvals don’t get lost in translation.
Real Estate Investors
Opportunities don’t wait, and neither should your financing. From single-unit purchases to portfolios under $20M, we deliver speed and certainty through lenders who understand the investor mindset. We structure real-world investment loans around real-world borrowers.
Community Lending
Not every buyer needs a jumbo loan or a perfect financial profile. Many qualified borrowers simply need access to programs that make homeownership more attainable. That’s exactly what our FHA, VA, conforming, and community lending options are designed to do.