Jumbo Loans

Great loans for bigger homes.

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Jumbo Loans with Expert Guidance

When your vision for a home extends beyond the ordinary, you need a financing solution to match. Purchasing a premier property is a significant milestone, and securing the right loan for a high-value home requires specialized expertise, competitive terms, and a partner who understands the nuances of a larger investment.

At UCCU, we provide jumbo loan financing that is as exceptional as the properties you’re considering. We move beyond the one-size-fits-all approach, offering personalized service from local experts who specialize in complex, high-value transactions. Our streamlined process and competitive rates ensure you have the financial power and trusted guidance needed to secure your dream home with confidence.

Your Vision, Fully Funded

Don’t let conventional loan limits define the boundaries of your search. We provide the financial power your vision requires. This robust financing capacity ensures you can make a confident offer on the premier property you deserve.

Flexibility for Your Financial Strategy

Your mortgage should align with your financial goals, not restrict them. That’s why we offer both the stability of a fixed-rate and the potential for lower initial payments with an adjustable-rate mortgage (ARM). More importantly, we believe in empowering your success, so our jumbo loans come with no prepayment penalties.

Jumbo Construction Loans

Building a custom, high-value home requires a financing partner who understands the vision and the process. Our one-time close jumbo construction loans simplify the journey from breaking ground to moving in, providing a seamless flow of funds and expert guidance every step of the way.

The UCCU Advantage: A Partner, Not Just a Lender

When you’re making an investment of this magnitude, the relationship with your lender matters. UCCU is not just a financial institution; we are a dedicated, local partner committed to your success.

Local Expertise, Specialized Knowledge: Our mortgage team isn’t working on standard loans one day and your jumbo loan the next. We have specialized experience in complex, high-value financing and the specific market conditions of Utah and the Mountain West. This means faster approvals and less friction throughout the process.
The Power of Local Underwriting: Unlike many large national banks, your loan decision is handled locally. This allows us to offer greater efficiency, more flexibility in complex financial situations, and a deeper understanding of your unique profile, ensuring a smoother journey to closing.
A Commitment to Community: As a credit union, our focus is on serving our members, not distant shareholders. This commitment translates into highly competitive rates and a personalized service experience you simply won’t find anywhere else.

Your Streamlined Jumbo Loan Process

Securing a high-value home loan doesn’t have to be a complicated, drawn-out affair. We’ve refined our process to be efficient, discreet, and centered around your needs.

Personal Consultation: Your journey begins with a private consultation with one of our Jumbo Loan Specialists. We take the time to understand your complete financial picture and real estate goals.
Tailored Pre-Approval: Based on your consultation, we provide a robust and credible pre-approval letter. This gives you and your real estate agent significant negotiating power when making an offer on your desired property.
Dedicated Support to Closing: From application to closing day, you will work with a consistent, local team. We handle the intricacies of underwriting and appraisal management, proactively keeping you informed and ensuring a swift, confident close.

Ready to Elevate Your Home Vision?

You’ve explored the possibilities. Now, it’s time to take the next step toward securing your exceptional property.

Whether you’re ready to start the application process or simply want to understand how a UCCU jumbo loan could fit your financial strategy, our experts are here to help.

Connect with a UCCU Jumbo Loan Specialist today.

Apply Now

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Frequently Asked Questions

A mortgage is considered “jumbo” when it is larger than the local conforming loan limit. These limits are set annually and can vary by county.
For 2025 in most of the U.S., including Utah County, the conforming loan limit for a single-family home is $806,500.
Therefore, any single-family home loan in Provo or the rest of Utah County that is greater than $806,500 is considered a jumbo mortgage. In certain designated high-cost counties in the U.S., this limit can be higher.

A jumbo mortgage, also called a jumbo loan, is a home loan for an amount that exceeds the “conforming loan limits” set by the Federal Housing Finance Agency (FHFA).
In simple terms, standard loans (conforming loans) can be purchased by government-sponsored enterprises like Fannie Mae and Freddie Mac, making them less risky for lenders. Because a jumbo loan is too large for this, it is considered a “non-conforming” loan. This means it has slightly different qualification rules set by the lender, like UCCU.

This is simply a jumbo loan with a 30-year repayment term. It is the most common structure for a jumbo mortgage. The loan functions just like a standard 30-year fixed-rate mortgage, providing a consistent principal and interest payment over the life of the loan, but it is for a loan amount that is above the conforming limit. Jumbo loans are also available in other terms, such as 15-year fixed or with adjustable rates (ARMs)

Yes, the qualification requirements for a jumbo mortgage are typically more strict than for a standard loan. Because the loan amount is larger, lenders like UCCU will generally look for:

A higher credit score: Often 700 or above.
A larger down payment: A down payment of 10-20% is common.
Significant cash reserves: You will need to show proof of assets (in addition to your down payment) to cover a number of monthly mortgage payments.
A lower Debt-to-Income (DTI) ratio.

Jumbo loan interest rates are very competitive but can be slightly different from conforming loans. Depending on the market, they might be higher or sometimes even lower. It’s always best to speak with a UCCU mortgage expert to get our most accurate and current rates for your specific situation.

Absolutely. Jumbo loans are a very common way to finance the purchase of a vacation home, a second home, or an investment property, as these types of properties often have purchase prices that exceed the conforming loan limits.

The process is very similar to applying for any mortgage, but you may be asked to provide more detailed documentation of your income and assets. This is to ensure you have a strong financial standing and can comfortably manage the larger loan payments. A UCCU loan officer will provide you with a specific list of what is needed.

One-Time Close

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Jumbo Loans