Jumbo Loan or Keep CashWe are currently shopping for loans, we have two options: a jumbo loan where we keep more cash, but pay 15% more monthly payment with 4.0% rate . Second option is we put more down payment (15% more), pay less monthly payment with 3.625%. Both loans are 30-year. This will be our primary home and we plan to stay at least 10 years (we will be renting out our current residence). Which loan is better?December 05 2012 - San Jose00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.