Jumbo Mortgage Loans
Generous financing for those who dream a little bigger.
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Get a Jumbo Mortgage Loan from the #1 Mortgage Lender in the Area
Personalized Jumbo Financing
Work with a local lending team that takes the time to understand your full financial picture—not just what fits into a big bank formula.
Flexible Fixed & Adjustable Rate Options
Choose the structure that fits your goals, whether you’re planning to settle in long-term or want flexibility as your finances evolve.
Local Decisions, Local Service
Your Jumbo Mortgage Loan stays local, which means faster communication, experienced guidance, and a smoother process from application to closing.
We’ll Cover the Appraisal Costs
At TVFCU, we pay your entire home appraisal fee — no cap — helping reduce your upfront costs at closing.*
Personalized Jumbo Financing
Work with a local lending team that takes the time to understand your full financial picture—not just what fits into a big bank formula.
Flexible Fixed & Adjustable Rate Options
Choose the structure that fits your goals, whether you’re planning to settle in long-term or want flexibility as your finances evolve.
Local Decisions, Local Service
Your Jumbo Mortgage Loan stays local, which means faster communication, experienced guidance, and a smoother process from application to closing.
We’ll Cover the Appraisal Costs
At TVFCU, we pay your entire home appraisal fee — no cap — helping reduce your upfront costs at closing.*
Your Path to Home Sweet Home
Jumbo Mortgage Loans are for borrowers who want to buy a bigger home with more features, either for their family’s comfort or for investment purposes. At TVFCU, we offer Jumbo Mortgage Loans with many of the same great features as our regular mortgage loans.
Here’s what you should know about our Jumbo Mortgage Loans before you apply:
- Borrow larger amounts: A Jumbo Mortgage Loan lets you borrow more than the current local limit for conforming home loans.
- Competitive rates: Enjoy our trademark competitive Jumbo Home Mortgage Rates, designed to make higher-value homes more attainable.
- First-time loans and refinances: Whether you’re purchasing your next home or refinancing a larger, non-conforming loan from another lender, we can help.
- Flexible loan terms: Choose from 15 or 30-year Fixed Jumbo Mortgages, or a range of Adjustable-Rate Jumbo Mortgage options.
- Residency options: Jumbo Mortgage Loans are available for your primary residence or a second home.
- Eligibility: Additional qualifying criteria may apply, including a higher credit score or income requirements, to ensure the loan fits your financial profile.
- Superior hometown service: Unlike other jumbo mortgage lenders, we have years of local expertise putting local families in homes, and we’re with you every step of the way.
- Save hundreds with no appraisal fees: At TVFCU, we’ll pay for your entire appraisal fee, saving you over $600* upfront to make the path to homeownership easier.
We’ll Cover Your Appraisal Costs
We’re making homeownership easier. We’ll cover your entire home appraisal fee — helping reduce your upfront costs at closing.* Here’s how it works:
- Purchase transaction resulting in new money to TVFCU in the amount of $25,000 or greater.
- Refinance of a mortgage with another institution, resulting in new money to TVFCU in the amount of $25,000 or greater.
- Refinance of an existing TVFCU mortgage, resulting in new money to TVFCU in the amount of $25,000 or greater.
Jumbo Mortgage Rates
Complete the form to instantly get the most accurate and up-to-date Jumbo Mortgage rates. Our Jumbo Mortgage calculator will help you compare different options and visualize various scenarios to find the home loan that fits you best.
Apply NowHow to Apply for a Jumbo Mortgage Loan
Applying for a Jumbo Mortgage Loan is quick and easy. Just follow these steps!
- Step 1 - Get Pre-qualified
Apply online and provide your financial details to receive a pre-qualification. This helps you understand your estimated borrowing power and sets a realistic budget for your new home search. - Step 2 - Find Your Dream Home
Choose a larger home or one with more bells and whistles, or seek out a property for yourself in a more desirable neighborhood. - Step 3 - Close Your Loan
We’ll process your loan locally and skip the appraisal fee. Then it’s time to lock in your rate, sign closing documents, and get your keys!
Jumbo Mortgage Loan FAQs
A Jumbo Mortgage Loan is a fixed-rate mortgage or adjustable-rate mortgage (ARM) that exceeds the local limit allowable for conforming loans backed by Fannie Mae and Freddie Mac. Jumbo Mortgage Loans are usually sought by borrowers looking to buy a larger or better-appointed home or to afford a property in a high-cost area.
No. While a 20% down payment is common, jumbo mortgage lenders, including TVFCU, may allow down payments as low as 5–15% for well-qualified borrowers. A larger down payment may help you secure more favorable loan terms, including a lower annual percentage rate (APR), which can reduce your monthly payment.
The current conforming loan limit in our service area is about $806,500. To see the most accurate loan limits, you should take a look at the FHFA Conforming Loan Limit Values Map. Home buyers looking to borrow more than this should apply for a Jumbo Mortgage Loan.
Lenders look at the same criteria as a regular home loan when deciding whether to extend financing for a Jumbo Mortgage Loan. Jumbo mortgage requirements will usually require a higher credit score, increased income, or evidence of cash reserves, and a sustainable debt-to-income ratio.
With higher credit score requirements, a Jumbo Loan can be more difficult to qualify for than a conventional loan, or government-backed mortgages like FHA, USDA, and VA loans.
*Offer valid as of January 1, 2025, subject to change. Some exclusions apply. Offer valid on portfolio loans only.
