Jumbo Mortgages for Bigger Possibilities

Q: Are interest rates higher on jumbo mortgages?

Jumbo loan rates are competitive, but they vary based on loan terms, creditworthiness, and market conditions. Check our rates above to see current offers.

Q: How long does the approval process take for a jumbo mortgage?

We prioritize efficiency. Most jumbo mortgage loans close within 30 days.

Q: Do I need a larger down payment for a jumbo mortgage?

It depends on the loan type. Conventional jumbo loans typically require a down payment, while VA jumbo loans may offer zero down payment options for qualified borrowers.

Q: What is a jumbo mortgage?

A Jumbo Mortgage is a home loan that exceeds the FHFA’s conforming loan limit ($726,200 in most areas). These loans allow you to borrow more but may have different qualification requirements.

Your dream home shouldn’t have limits. That’s why we offer jumbo mortgage loans with competitive rates and flexible terms.

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Bigger Loans, Better Rates, More Opportunities

When your home financing needs exceed conventional limits, a jumbo mortgage can provide the flexibility you need. Service Credit Union offers competitive jumbo mortgage loans designed for higher-value properties, including primary residences and vacation homes. Our experienced team helps guide you through the process with personalized support and trusted expertise.

Why Choose a Service Credit Union Jumbo Mortgage?

Loan amounts above $832,750 (even higher in select counties)
Competitive rates, designed to help you save
Fixed & adjustable-rate options to fit your needs
Fast processing—close in as little as 30 days
VA Jumbo available—zero down payment for qualified borrowers
Appraisal rebate up to $695 on purchase loans^*

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Getting a Jumbo Mortgage Shouldn’t Be Complicated

We believe home financing should be clear and hassle-free. Whether you're purchasing a primary residence, second home or vacation home, we’re here to help you navigate the process with confidence.

Do You Qualify?

Loan amounts must exceed $832,750 (limits vary by location).
Subject to credit approval and a minimum credit score (varies by loan type).
A down payment is required for conventional jumbo loans.
Property insurance is required.

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Have questions? We're here to help.

I’m extremely impressed with how fast and smooth this home-buying process was with all parties involved. Thank you!

Kevin W., Sullivan, NH

From start to finish, our refinancing mortgage was handled with courtesy and in a timely manner that was extended to us.

Lawrence and Janet B., Wilton, NH

I could not be happier with how Service CU handled my refi … I am truly happy I chose Service CU for all of my banking needs.

Thomas R., Salem, NH

Jumbo Mortgage FAQs

Are interest rates higher on jumbo mortgages?

Jumbo loan rates are competitive, but they vary based on loan terms, creditworthiness, and market conditions. Check our rates above to see current offers.

How long does the approval process take for a jumbo mortgage?

We prioritize efficiency. Most jumbo mortgage loans close within 30 days.

Do I need a larger down payment for a jumbo mortgage?

It depends on the loan type. Conventional jumbo loans typically require a down payment, while VA jumbo loans may offer zero down payment options for qualified borrowers.

What is a jumbo mortgage?

A Jumbo Mortgage is a home loan that exceeds the FHFA’s conforming loan limit ($726,200 in most areas). These loans allow you to borrow more but may have different qualification requirements.

^*Appraisal rebate of up to $695 will be applied for purchase loans only. A purchase loan is the financing connected to the purchase of a property involving the transfer of title from seller(s) to buyer(s). Applicant(s) will be required to pay the estimated cost of the appraisal up front. Rebate will be applied as a credit at closing towards the total amount paid for the appraisal associated. Credit will not exceed the amount paid and cannot be transferred or exchanged for cash equivalent. Subject to change or be discontinued at any time. **Conventional jumbo loans assume a loan amount of $806,500 and a 40% down payment. VA jumbo assumes a loan amount of $806,500 with no down payment. Payment examples can be obtained by clicking the calculate payments button above and do not include taxes or insurance premiums. Payment obligation will be higher.