Jumbo Loans

Jumbo loans with as little
as five percent down

At OCCU, we’d love to make your dream home a reality. If you’re a high-income earner with strong credit and financial history, you could qualify for rates comparable to traditional mortgage loans. If you think an OCCU Jumbo Home Loan aligns with your homebuying journey, let’s talk about how to save you money.

Apply Now
five percent down

Spend less on your down payment

While most lenders require 20 to 30 percent down, OCCU Jumbo Home Loans require as little as five percent down, giving you more flexibility in your budget. On a $500,000 loan, that means you could spend $75,000 less on your down payment than with other lenders.

Calculate your home loan payment

Take the guesswork out of homebuying with our mortgage calculator. Get a head start on homebuying with our mortgage calculators. See what your monthly payment might be with current interest rates and how your payment impacts your principal over time.

Calculate your monthly payments 

With this calculator, you can see how your payment impacts your principal over time.


Calculate now

Break down your APR ahead of time  

Prepare by calculating APR for fixed-rate or adjustable-rate loans.


Calculate now

Let OCCU lead you home

We’re here to guide you through the homebuying process. If you’re ready to buy, we’ll get right down to the competitive rates, low closing costs and fast processing you want in a mortgage loan. 

Send us a message. Our local loan officer will be in touch.

Ask about jumbo loans

Where to begin

If you need a refresher on the homebuying process, visit the OCCU Homebuying 101 Center. You can track your progress all the way from pre-qualification to what happens after closing on your new home.

Get started

What you need to know

Home prices in many cities continue to soar. As a result, more and more homebuyers are venturing into jumbo mortgage territory. Here’s what you need to know about jumbo loans.

Learn more

Being able to get a mortgage without being transferred a million times…I think that’s fantastic.

Damon B.

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!

Home ownership resources

Owning a home is a rewarding experience. Learn to make the most of it with our helpful home ownership articles on topics including tips on the homebuying process, using your home equity wisely and upgrading your home with smart home technology.

Woman sanding wood on the garage floor

Thinking of home improvements? Start with a plan!

We’ve all heard the horror stories of remodeling projects that took too long and went over budget.  While you should always add a buffer in both your timeline and budget, a plan will help you get the project done without unnecessary stress.

Family moving boxes

Still looking for a home? Keep calm and carry on

Shopping for a home is a bit like rafting.

*OCCU Jumbo Home Loan rates start at 4.500%, 1.0% Point Origination. 4.609% APR. Rates may change and are current as of 2/8/19. Assumes 80% LTV/CLTV purchase of owner-occupied, SFR, 680 credit score, and $650,000 purchase price on a 45-day lock. Rates, fees, and programs subject to change without notice at any time. For example, on a loan for $520,000 at 4.500% for 360 months, you would make 360 payments of $2,634.76. Rates, fees, and programs subject to change without notice at any time.