Financing for High-Value Homes
When your dream home costs more than a conventional loan allows, an ACU jumbo loan finances up to $2 million, with a fixed rate or a 5/5 ARM and underwriting handled by people who know the Pacific Northwest market.
A Loan Built for Bigger Purchases
When the home you want is worth more than a conventional loan can cover, a jumbo loan bridges the gap with financing up to $2 million.
Finance High-Value and Luxury Homes
A jumbo loan finances amounts above conventional limits, up to $2,000,000, so you can buy or refinance a high-value property. ACU offers jumbo financing at up to 80% loan-to-value.
- High-balance loans up to $2,000,000
- Up to 80% loan-to-value
- For purchase or refinance
- High-value and luxury properties
Choose the Rate That Fits Your Plans
Choose the rate structure that fits your plans: a jumbo fixed-rate loan for a rate that never changes, or a jumbo 5/5 ARM that starts lower and adjusts only once every five years.
- Jumbo fixed rate for lifelong certainty
- Jumbo 5/5 ARM for a lower start
- 15, 20, or 30-year terms
- Structure matched to your goals
Reviewed by People Who Know the Market
Jumbo loans often involve more documentation and a closer look at the full financial picture. ACU underwrites locally, so your loan is reviewed by people who understand the regional market and can move quickly.
- Local decision-making
- Experienced with complex files
- Regional market knowledge
- One local point of contact
What Could Your Payment Look Like?
Try the numbers before you talk to anyone. These estimates are for education only - your Home Loan Consultant will walk you through the real thing.
Fixed-Rate Mortgage Calculator
Estimate a monthly payment on a conventional fixed-rate mortgage, including taxes and insurance.
VA Loan Calculator
Estimate a VA loan payment with zero down, including the VA funding fee financed into the loan.
These calculators are for education and illustration only. They are not a loan application, rate quote, offer, or commitment to lend, and results are estimates that exclude PMI where applicable. The fixed-rate calculator estimates an initial fixed payment only; it does not show how an adjustable-rate (ARM) payment can change or include FHA mortgage insurance premiums. Interest rates shown are editable examples, not ACU rates - see current rates and fees or talk with a Home Loan Consultant. VA funding fee percentages follow the published VA schedule (first use with less than 5 percent down: 2.15 percent; subsequent use: 3.3 percent; 1.5 percent with 5 to 9.99 percent down and 1.25 percent with 10 percent or more down); verify your fee and exemption status at va.gov. All loans subject to credit approval. NMLS #449181. Equal Housing Lender.
Big Loan. Dedicated Team.
A high-value home deserves financing that fits it, backed by people who know the market it sits in.
Up to $2 Million
Finance a high-value or luxury home with a jumbo loan up to $2,000,000.
80% LTV
Jumbo financing is available at up to 80% loan-to-value on your property.
Fixed or 5/5 ARM
Choose a rate that never changes, or a 5/5 ARM that starts lower.
15-30 Year Terms
Pick a 15, 20, or 30-year term to balance your payment and payoff.
Local Underwriting
Your loan is reviewed locally by people who know complex files and the region.
Purchase or Refinance
Use a jumbo loan to buy a high-value home or refinance the one you own.
Three Steps to Your Jumbo Loan
A high-value loan does not have to feel complicated. Here is how the process works.
Estimate Your Payment
Use the calculator to model a high-balance loan and see what a monthly payment could look like.
Talk to a Local Expert
A dedicated loan officer reviews your full financial picture and recommends the right structure.
Lock and Close
Lock your structure and your team guides you all the way to closing.
“ACU made our home buying process smooth and stress-free. Their mortgage team went above and beyond, and we closed on time with zero surprises.”
What Lenders Look For on Larger Loans
A jumbo loan is any mortgage above the conforming limit. Because the loan is bigger, the qualifying bar is higher.
Where Jumbo Begins (2026)
Loans above the FHFA conforming limit are jumbo. ACU finances jumbo loans up to $2 million.
Typical Credit Score
Most lenders look for stronger credit on jumbo loans than the 620 conforming guideline.
Typical Down Payment
Larger loans generally ask for more equity up front.
Cash Reserves
Lenders commonly want to see months of payments in reserve after closing.
| Jumbo | Conforming | |
|---|---|---|
| Loan size (2026) | Above $832,750, higher threshold in high-cost counties | Up to $832,750 |
| Credit score guideline | Typically 700 or higher | About 620 |
| Typical down payment | 10% to 20% | As low as 3% |
| Cash reserves | Often 6 to 12 months of payments | Often not required |
| Rates | Usually slightly higher than conforming | Benchmark pricing |
Figures shown are common industry guidelines and 2026 program limits, provided for education. Guidelines vary by program and change over time. Your ACU Home Loan Consultant will confirm exactly what applies to your loan.
Jumbo Loan FAQ
Answers to the questions members ask most about financing a high-value home.
Disclosures
Jumbo loans are subject to credit approval and additional documentation and underwriting requirements. Maximum loan amount up to $2,000,000 at up to 80% loan-to-value. The jumbo 5/5 ARM is an adjustable-rate mortgage whose rate is fixed for five years and may adjust every five years thereafter, which may increase your payment. Rates and terms subject to change without notice. Property insurance required. Calculator results are educational estimates, not a rate quote or commitment to lend. Membership required. America's Credit Union is a federally chartered credit union insured by the NCUA. NMLS #449181. Equal Housing Lender.
Finance the Home You Really Want
Model your payment with the calculator, then talk with a dedicated loan officer who handles high-value loans.