Queen of Jumbo Loans

01/06/2026

02/06/2025

Are you considering a Jumbo loan? Working with a specialist can make all the difference to the success of your transaction. Here’s how we helped get this homebuyer into his new home:RECAP:🛑The borrower only had $251,000 to cover down payment, closing costs, reserves, and his expected $150,000 tax bill. 🛑He also had business losses on his tax returns which offset his $500,000 in W2 income.⭐️⭐️⭐️The Solution ⭐️⭐️⭐️✅ Since the borrower was employed and qualified using his W2 income - we did not require him to submit his tax returns which eliminated the issue his tax returns presented.✅ Since he had a credit score > 680 he qualified for only 5% down.✅ Only 9 mos reserves neededTotal assets:👉5% down on the loan ($75,000)👉And 9 mos reserves ($97,893)👉Closing Costs ($15,372)👉Prepaids/escrow ($10,233)👉Total Remaining $52,502BUT - In his case, his realtor negotiated big credits which not only covered his closing costs but also a 2-1 buy down. Not only did he save $25,000 in closing costs, he also is enjoying a 4.625% mortgage payment 😎🤑 In the end, he only used $75,000 and kept $176,000 of his liquid funds. He is in a great place if he ends up needing to pay $150,000 for his tax bill. If he doesn’t, he can pay whatever amount remains towards his principal and recast the payment for the lower amount.All in a days work! If you or anyone you know needs financing for a loan $807,000+ (or $1,209,000+ in high-value areas) please reach out!India Kinchelow NMLS 1420599(714) 916-7961Nuvision FCUOpen to the public5% down up to $1.5m10% down up to $2m15% down up to 2.5m

01/24/2025

Is this just a meaningless statistic, or indicative of something more important? The wealth gap in the US is staggering, with the richest 1% owning almost a third of the total wealth. This fact really makes you stop and think about opportunities, aspirations, and fairness, doesn’t it?

What are your thoughts about wealth and the people who have it? Is it just for a lucky few or are we the creators of our destiny?

I’d love to hear your thoughts on this relevant topic!

01/22/2025

Are you torn between tying up your cash in a down payment or keeping it liquid for investment opportunities like Bitcoin, stocks, or your next venture? 🚀💰

Consider a low down payment jumbo loan to secure your dream home while retaining more cash for wealth-building endeavors. Why limit your liquidity when you can seize opportunities? Smart financial decisions hinge on flexibility and maximizing potential.

Interested in leveraging a jumbo loan to your advantage? Let's discuss your strategic options. 💼✨

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07/30/2024

In a sea of Realtors, what makes you stand out? Join us Aug 7 and unock your potential at “The Power of Designations” event! 🌟Discover how earning a realtor designation can set you apart and supercharge your business growth. Network with industry leaders, gain valuable insights, and take your career to the next level. Don’t miss out!

🔹Members: FREE
🔹Non Members: $10
Link to register ⭐️

The Power of Designations https://www.eventbrite.com/e/the-power-of-designations-tickets-950267845707?utm-campaign=social&utm-content=attendeeshare&utm-medium=discovery&utm-term=listing&utm-source=wsa&aff=ebdsshwebmobile

01/12/2024

Purchasing a million dollar home in California? Grab my FREE Jumbo First-Time Homebuyer’s Guide for everything you need to know about the homebuying process and home financing —> https://bit.ly/JumboBuyersGuide

India Kinchelow
Queen of Jumbo Loans
Nuvision Federal CU
Direct (714) 916-7961

11/30/2023

The 2024 Board of Directors for the Women Council of Realtors Orange County, CA
🌺🏡

11/27/2023

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11/16/2023

🚨📣
I usually talk about the homeowner in these posts. But this time I wanted to share how I help other real estate and lending professionals. Much of my business comes from OTHER mortgage brokers. 👨‍💼👩🏽‍💼

Why? 🤔

Because mortgage brokers’ strength is having a variety of loan programs to help the average home shopper get financed. 🏦

But the Queen of Jumbos 👸🏽SPECIALIZES in flexible 🤸‍♂️Jumbo financing for people who are financing over Fannie/Freddie loan limits (jumbo loans). That’s all I do! 🥇

Unfortunately for mortgage brokers, DIRECT LENDERS offer best financing for jumbo loans so this is an area they can’t service effectively. That’s why, my colleagues seeking what’s best for these clients send their business to me. 👸🏽

This homebuyer saved over $40,000 in fees and over $1,300 in his monthly mortgage payment because his trusted mortgage broker referred him to me to do what was best for the client.🤝

And special thank you one of the top producing real estate professionals in Huntington Beach .re with Seven Gables Real Estate for your professionalism, patience and top notch service to our client! 😇.

Who do you know that’s purchasing a home over million dollars? 🏡

Call/text for questions and quotes!

India Kinchelow
Queen of Jumbo Loans
Nuvision Federal CU
Direct (714) 916-7961
NMLS 1420599

09/29/2023

Normally, I tell the story of how overcame some significant guideline that the competition couldn’t. Or how my JUMBO pricing knocked the others out the water. Nothing changed this time but this story is really about the MARKET! (Or lack there of)

My clients would have loved to be in their new home in the school district of their choice no later than AUGUST! But with only two or 3 homes available at a time in their market (and not necessarily homes they wanted)- here we are almost 3 MONTHS from the time they began their search.

I was beginning to think they would get discouraged and wait until after the new year but hats off to them because they were focused, patient, kept their eyes on what they wanted and they didn’t give up!

What a great team we were -working together updating documents (and the preapproval each time the rates increased), and making sure that when the time was right, we were ready to act fast 🚀

All’s well that ends well because they get to move into their new home just in time for the holidays 👻🦃🎄AND remove themselves from this housing debacle!

They were smart to buy now because all they’ll need to do is refinance and eat 🍿 when rates go down, while they watch everyone else stand in long open house lines and duke it out in bidding wars while paying 1000s over asking.

Congratulations to my clients and I’m thankful they chose me to help them see it through!

Cheers to smooth,successful transactions ! 🏡🥂

India Kinchelow
Queen of Jumbo Loans
NMLS 1420599
Nuvision FCU
Call/Text (714) 916-7961