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Carol Commiskey
Carol Commiskeyspace
Carol Commiskey
District Sales Manager

Pinnacle Capital
Mortgage Corporation
1390 Willow Pass Road #560
Concord, CA 94520
email Carol
Reinaldo Santos
Reinaldo Santos
email Reinaldo
*This information is intended for mortgage professionals only and is not an advertisement to extend credit.*
  Why Pinnacle Capital Mortgage?

* A West Coast based company that understands California lending
* Voted a Best Place to work by S.F. Business Times for 2013
* PCM is ranked #6 out of Top 75 Lenders in the US by the Scotsman Guide
* Strong Government underwriting team
* PCM offers Conv, FHA, VA, USDA, HARP, Homepath and Jumbo programs
* Direct FNMA, FHLMC, GNMA Seller Servicer
* Accessible underwriting team - they are here to help you!
* Competitive pricing
* 4 MI options available: Borrower Paid, Lender Paid, Single Premium and Split MI
* Support staff that has consistently one awards for customer satisfaction
* A team of experienced professionals offer a wealth of experience you can count on
* Program and industry trainings available to you

In addition to our wholesale channel we also offer net branching opportunities for those of you who want to join the PCM team! We provide successful mortgage brokers a way to keep their presence and branding in their marketplace while gaining valuable support, enhanced service levels, increased flexibility and additional products.

For more information on our net branch program, go to the retail services tab to the left of your screen!

  Facebook Icon  Pinnacle Capital Mortgage - Become A Fan  
  VA Jumbo  
  Loan amounts to $1,500,000  

Credit Score:

Loan amounts <=$1mil (including Funding Fee): 660

Loan amounts > $1mil up to $1.5mil (including Funding Fee): 700

Cash Reserves:

Minimum 6 months PITI


No bankruptcy or foreclosure within 7 years

No housing lates in the past 12 months

Gift Funds:

Not allowed

Loan amounts > $700,000 (including Funding Fee) require a loan amount exception

Loan Purpose:

Purchase and Cash-Out only (IRRRLs are not eligible for VA Jumbo transactions)

Loan Terms:

30 year fixed only (VAF30JB)

DISCLAIMER: This information is intended for mortgage professionals only and is not an advertisement to extend credit. All rates and programs subject to change without notice.
  MI Training - Learn 4 different conventional MI programs  
  Split MI, LPMI, Borrower Paid MI and Single Premium  
Book an appointment with me to come out and train you on all of our MI programs:

Split MI - Use seller credit to pay upfront premium that lowers your monthly MI payment OR include in your pricing. Helps to qualify for more OR reduce your DTI to fit guidelines.

Lender Paid MI - add into your ratesheet pricing to avoid a monthly MI payment and help qualify your borrower.

Single Premium MI - Use seller credit or borrower funds to pay one time, upfront MI fee and avoid MI payment.

Borrower Paid MI - Compare the above MI options to the standard MI option to see which is best for your borrower

I will show you how to go to the MI calculators on my website to help price out your MI payment quickly

Conventional MI may be a good alternative to FHA as MIPS have recently increased

We accept TBDs so you can prequal your borrowers with or without MI


  Update your realtor presentation  
  Learn more about VA, USDA, EEM, Homepath and FHA programs  

I offer a variety of trainings so you can update your presentation to your realtor community:

Do you need a refresher course on FHA?

Are you familiar with USDA and Homepath guidelines?

Do you want to learn more about VA?

Did you know that the Energy Efficient Mortgage allows FHA  borrowers the opportunity to finance costly and valuable energy conservation improvements with their home loan? Does not affect qualifying ratios, down payment or appraisal.   



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