Jumbo Home Loan

Jumbo Home Loans

If you need a little more for your down payment consider a jumbo home loan.

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dexter g., tacoma

Jumbo Home Loan Rates as Low As

APR Effective 10/23/2020*


Jumbo 30-Year Fixed


Jumbo 30-Year Fixed Refinance


Jumbo 5 Year ARM (5yr/5yr) Refinance

Adjusts every 5 years

*See important information about rates, fees and other costs

If you've found a home that requires a larger-than-usual loan amount, look into a jumbo loan. Jumbo loans are available in both fixed-rates and ARMs.

Features & Benefits

  • Predictable payments
  • No origination fees*
  • Loan amounts over to $510,400
  • Available in both fixed-rates and ARMs
  • Can be used on primary and secondary homes

Limited Time Offer

For a limited time, we'll reduce your closing costs.

  • Purchase only
  • Up to $750 credit at closing with automatic payment from a BECU account1
  • Excludes refinance, 12 year no fee, FHA and VA loans
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No Origination Fees

BECU is excited to announce yet another way we can save our members' money: NO origination fee on fixed-rate or adjustable-rate mortgage home loans for purchase and refinance transactions*. No origination fee significantly reduces closing costs. And reducing cost is just one more way BECU can help members combat the skyrocketing prices in today's real estate market.

Need help figuring out what Jumbo loan is right for you?

Our Loan Consultant tool can help you find the jumbo loan that fits your needs, and give you information on interest rates and closing costs. 

Check out the loan consultant

Our Jumbo Loan Programs Include:

Why choose this Pros Cons

You need to qualify for the largest loan possible

Fixed rate of interest

You end up paying more in interest charges over the life of the loan

You plan on staying in the home long-term

Level principal and interest payments for the full term of the loan

Benefits of the fixed rate are not realized until after the seventh year (A 7 Year Jumbo ARM is a better option if loan is paid-off within seven years)

You think interest rates will increase

No risk that changing market conditions will increase your monthly payments

Interest rates on Jumbo fixed rate loans are typically higher than conforming fixed rate loans

You don't expect your income to increase significantly over the coming years

Need more information?

Just stop by your Neighborhood Financial Center, and we can answer your questions and help you find the loan that's right for you.

Make an appointment

Ready to apply?

1Mortgage application must be received between 07/24/2020 and 10/31/2020. Closing cost credit of up to $1,000 for Whatcom county purchases or refinances (property must be located in Whatcom County), and up to $750 in all other areas for purchases only. Credit is applied at loan closing with setup of automatic mortgage payment from a BECU account. Mortgages are available in: WA, OR, CA, AZ, KS, MO, PA, ID, SC and IL only. Eligible for owner and non-owner occupied property, including investment property (1-4 units). Offer not valid on Government loans (FHA, VA) and 12-Year No Fee. Loans are subject to BECU membership, credit approval, and other underwriting criteria; not everyone will qualify. Certain restrictions apply. Home loan programs, terms and conditions are subject to change without notification. Loan must close 90 days from the application date.

*Offer applies to purchase and refinance transactions. Loans are subject to credit approval and other underwriting criteria, and not everybody will qualify. Certain restrictions apply. Home loan programs, terms and conditions are subject to change without notification. BECU reserves the right to terminate this offer at any time without notice. Boeing Employees' Credit Union NMLS ID 490518.