Jumbo Loans

If you are purchasing or refinancing a home and need to borrow more than $417,000 ($625,500 in AK and HI), a Jumbo loan may be the right choice for you.  Click on "Loan Consultant" to get a list of current interest rates and closing costs as well as other products you may wish to consider.

10 Year Fixed Jumbo

Best Choice If:

You want a loan with:
  • Fixed monthly payments
  • A shorter repayment period
  • Advantages:

  • Fixed interest rate
  • Level principal and interest payments for the full term of the loan
  • Save money with a shorter term and less total interest payments
  • No risk that changing market conditions will increase your rate or monthly payments
  • No prepayment penalty
  • Automatic payment option available
  • Disadvantages:

  • Monthly payments significantly higher than with a longer term mortgage
  • Loan amounts greater than $417,000 only
  • 15 Year Fixed Jumbo

    Best Choice If:

    You want a loan with:
  • Fixed monthly payments
  • A shorter repayment period
  • Advantages:

  • Fixed interest rate
  • Level principal and interest payments for the full term of the loan
  • Save money with a shorter term and less total interest payments
  • No risk that changing market conditions will increase your rate or monthly payments
  • No prepayment penalty
  • Automatic payment option available
  • Disadvantages:

  • Monthly payments significantly higher than with a longer term mortgage
  • Loan amounts greater than $417,000 only
  • 20 Year Fixed Jumbo

    Best Choice If:

    You want a loan with:
  • Fixed monthly payments
  • A shorter repayment period
  • Advantages:

  • Fixed interest rate
  • Level principal and interest payments for the full term of the loan
  • Save money with a shorter term and less total interest payments
  • No risk that changing market conditions will increase your rate or monthly payments
  • No prepayment penalty
  • Automatic payment option available
  • Disadvantages:

  • Monthly payments significantly higher than with a longer term mortgage
  • Loan amounts greater than $417,000 only
  • 30 Year Jumbo Fixed

    Best Choice If:

    You want a loan with:
  • Fixed monthly payments
  • You plan on staying in the home long-term
  • You think interest rates will increase
  • Advantages:

  • Fixed interest rate
  • Level principal and interest payments for the full term of the loan
  • No risk that changing market conditions will increase your rate or monthly payments
  • No prepayment penalty
  • Automatic payment option available
  • Disadvantages:

  • Benefits of the fixed rate may not be realized until after the 10th year
  • Pay more interest charges over the life of the loan compared to shorter term loans
  • Loan amounts greater than $417,000 only
  • Jumbo ARM 3/3 15 Yr

    Best Choice If:

    You want a loan with:
  • Lower initial monthly payments and rate
  • Payments that adjust up and down with market movements
  • Benefits of both a Fixed and ARM product
  • Advantages:

  • Interest rate stays fixed for the first 3 years, adjusts every 3 years thereafter
  • Allows for a higher loan amount qualification and enhanced buying power
  • No prepayment penalty
  • Automatic payment option available
  • Disadvantages:

  • Interest rate and monthly payments may adjust every 3 years
  • Riskier if you do not have the income to cover the potential changes in monthly payment
  • Interest rate can rise above the current fixed rates over time
  • Jumbo ARM 3/3 30 Yr

    Best Choice If:

    You want a loan with:
  • Lower initial monthly payments and rate
  • Payments that adjust up and down with market movements
  • Benefits of both a Fixed and ARM product
  • Advantages:

  • Interest rate stays fixed for the first 3 years, adjusts every 3 years thereafter
  • Allows for a higher loan amount qualification and enhanced buying power
  • No prepayment penalty
  • Automatic payment option available
  • Disadvantages:

  • Interest rate and monthly payments may adjust every 3 years
  • Riskier if you do not have the income to cover the potential changes in monthly payment
  • Interest rate can rise above the current fixed rates over time
  • Jumbo ARM 5/5 15 Yr

    Best Choice If:

    You want a loan with:
  • Lower initial monthly payments and rate
  • Payments that adjust up and down with market movements
  • Benefits of both a Fixed and ARM product
  • Advantages:

  • Interest rate stays fixed for the first 5 years, may adjust every 5 years thereafter
  • Allows for a higher loan amount qualification and enhanced buying power
  • No prepayment penalty
  • Automatic payment option available
  • Disadvantages:

  • Interest rate and monthly payments may adjust every 5 years
  • Riskier if you do not have the income to cover the potential changes in monthly payment
  • Interest rate can rise above the current fixed rates over time
  • Jumbo ARM 5/5 30 Yr

    Best Choice If:

    You want a loan with:
  • Lower initial monthly payments and rate
  • Payments that adjust up and down with market movements
  • Benefits of both a Fixed and ARM product
  • Advantages:

  • Interest rate stays fixed for the first 5 years, may adjust every 5 years thereafter
  • Allows for a higher loan amount qualification and enhanced buying power
  • No prepayment penalty
  • Automatic payment option available
  • Disadvantages:

  • Interest rate and monthly payments may adjust every 5 years
  • Riskier if you do not have the income to cover the potential changes in monthly payment
  • Interest rate can rise above the current fixed rates over time
  • Jumbo LARM 1/1 15 Yr

    Best Choice If:

    You want a loan with:
  • Low initial monthly payments and rate
  • Payments that adjust up and down with market movements
  • Benefits of both a Fixed and ARM product
  • You do not plan on staying in the home for a long period
  • Advantages:

    You want a loan with:
  • Lower initial monthly payments and rate
  • Payments that adjust up and down with market movements
  • Benefits of both a Fixed and ARM product
  • Automatic payment option available
  • Disadvantages:

  • Riskier if you do not have the income to cover the potential changes in monthly payment
  • Interest rate can rise above the current fixed rates over time
  • Jumbo LARM 1/1 30 Yr

    Best Choice If:

    You want a loan with:
  • Lower initial monthly payments and rate
  • Payments that adjust up and down with market movements
  • Benefits of both a Fixed and ARM product
  • You do not plan on staying in the home for a long period
  • Advantages:

  • Allows for higher loan amount qualification and enhanced buying power
  • No prepayment penalty
  • Automatic payment option available
  • Disadvantages:

  • Riskier if you do not have the income to cover the potential changes in monthly payment
  • Interest rate can rise above the current fixed rates over time
  • Jumbo LARM 10/1 30 Yr

    Best Choice If:

    You want a loan with:
  • Lower initial monthly payments and rate
  • Payments that adjust up and down with market movements
  • Benefits of both a Fixed and ARM product
  • Advantages:

  • Interest rate stays fixed for the first 10 years, may adjust annually thereafter
  • Allows for a higher loan amount qualification and enhanced buying power
  • No prepayment penalty
  • Automatic payment option available
  • Disadvantages:

  • Interest rate and monthly payments may adjust annually
  • Riskier if you do not have the income to cover the potential changes in monthly payment
  • Interest rate can rise above the current fixed rates over time
  • Jumbo LARM 3/1 15 Yr

    Best Choice If:

    You want a loan with:
  • Lower initial monthly payments and rate
  • Payments that adjust up and down with market movements
  • Benefits of both a Fixed and ARM product
  • Advantages:

  • Interest rate stays fixed for the first three years, adjusts annually thereafter
  • Allows for a higher loan amount qualification and enhanced buying power
  • No prepayment penalty
  • Automatic payment option available
  • Disadvantages:

  • Interest rate and monthly payments may adjust frequently
  • Riskier if you do not have the income to cover the potential changes in monthly payment
  • Interest rate can rise above the current fixed rates over time
  • Jumbo LARM 3/1 30 Yr

    Best Choice If:

    You want a loan with:
  • Lower initial monthly payments and rate
  • Payments that adjust up and down with market movements
  • Benefits of both a Fixed and ARM product
  • Advantages:

  • Interest rate stays fixed for the first three years, adjusts annually thereafter
  • Allows for a higher loan amount qualification and enhanced buying power
  • No prepayment penalty
  • Automatic payment option available
  • Disadvantages:

  • Interest rate and monthly payments may adjust frequently
  • Riskier if you do not have the income to cover the potential changes in monthly payment
  • Interest rate can rise above the current fixed rates over time
  • Jumbo LARM 5/1 15 Yr

    Best Choice If:

    You want a loan with:
  • Lower initial monthly payments and rate
  • Payments that adjust up and down with market movements
  • Benefits of both a Fixed and ARM product
  • Advantages:

  • Interest rate stays fixed for the first 5 years, may adjust annually thereafter
  • Allows for a higher loan amount qualification and enhanced buying power
  • No prepayment penalty
  • Automatic payment option available
  • Disadvantages:

  • Interest rate and monthly payments may adjust annually
  • Riskier if you do not have the income to cover the potential changes in monthly payment
  • Interest rate can rise above the current fixed rates over time
  • Jumbo LARM 5/1 30 Yr

    Best Choice If:

    You want a loan with:
  • Lower initial monthly payments and rate
  • Payments that adjust up and down with market movements
  • Benefits of both a Fixed and ARM product
  • Advantages:

  • Interest rate stays fixed for the first 5 years, may adjust annually thereafter
  • Allows for a higher loan amount qualification and enhanced buying power
  • No prepayment penalty
  • Automatic payment option available
  • Disadvantages:

  • Interest rate and monthly payments may adjust annually
  • Riskier if you do not have the income to cover the potential changes in monthly payment
  • Interest rate can rise above the current fixed rates over time
  • Jumbo LARM 7/1 15 Yr

    Best Choice If:

    You want a loan with:
  • Lower initial monthly payments and rate
  • Payments that adjust up and down with market movements
  • Benefits of both a Fixed and ARM product
  • Advantages:

  • Interest rate stays fixed for the first 7 years, may adjust annually thereafter
  • Allows for a higher loan amount qualification and enhanced buying power
  • No prepayment penalty
  • Automatic payment option available
  • Disadvantages:

  • Interest rate and monthly payments may adjust annually
  • Riskier if you do not have the income to cover the potential changes in monthly payment
  • Interest rate can rise above the current fixed rates over time
  • Jumbo LARM 7/1 30 Yr

    Best Choice If:

    You want a loan with:
  • Lower initial monthly payments and rate
  • Payments that adjust up and down with market movements
  • Benefits of both a Fixed and ARM product
  • Advantages:

  • Interest rate stays fixed for the first 7 years, may adjust annually thereafter
  • Allows for a higher loan amount qualification and enhanced buying power
  • No prepayment penalty
  • Automatic payment option available
  • Disadvantages:

  • Interest rate and monthly payments may adjust annually
  • Riskier if you do not have the income to cover the potential changes in monthly payment
  • Interest rate can rise above the current fixed rates over time
  • Mortgage Rates

    The Loan Consultant feature determines the products and rates that match your needs.

    Find Rates

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    To apply for your easy online loan, all you have to do is answer a few simple questions about yourself, your property and your income, debts and assets.

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