Make your move with a jumbo loan

At OCCU, we’d love to make your dream home a reality. With the right qualifications, a jumbo loan may be just what you need. 

If you think an OCCU jumbo home loan aligns with your homebuying journey, let’s talk about how to save you money.

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Spend less on your down payment

While most lenders require 20% to 30% down, OCCU jumbo home loans require as little as 5% down*, giving you more flexibility in your budget. On a $850,000 loan, that means you could spend $212,500 less on your down payment than with other lenders.

What is a Jumbo loan?

While you shop for a home that will meet all your needs, it’s important to know that mortgage options differ based on the amount you’re looking to borrow.

There are criteria that apply only to jumbo loans, including:

  • The loan amount must be more than $832,750 in 2026.**
  • Eligible properties include primary and secondary residences, one-to-four-unit properties and condos.
  • Single appraisal of the home.
  • Borrowers must have a credit score of 680 or higher. ***
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See current mortgage rates

Check current mortgage rates on jumbo and conventional loans offered by OCCU.

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Calculate your monthly payments

Calculate your budget and see how your payment impacts your principal over time.

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Have questions?

Whether you’re just beginning the process or you’ve already found your dream home and are ready to apply, our loan officers are here to guide you through the homebuying process and answer your questions. Let's connect!

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* 5% down available for eligible homes and borrowers. Contact OCCU for more details.

** 2026 conforming mortgage limit for one-unit homes $832,750. One-unit homes located in Seattle metro area have a conforming loan limit of $1,249,125.

*** 680 minimum credit score may increase to 720 based on the loan amount. Contact OCCU for more details.