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jumbo loan
Go big with flexible financing for high-value homes.
borrow more for the home you want
financing solutions for high-value home purchases
A Jumbo Loan from United is designed for members who need to finance a home above the conforming loan limit of $832,750 established by the Federal Housing Finance Agency (FHFA). Whether you're buying or refinancing, this loan supports larger amounts with competitive rates and flexible options.
Choose from Fixed Rate or Adjustable Rate Mortgage (ARM) options to meet your needs, whether it's a primary residence or second home. Our team can help you navigate your best path to funding with personal support every step of the way. Connect with a local mortgage advisor to explore your options.
Features
- Loans over $832,750 – Ideal for high-value home purchases or large refinance amounts, up to $2 million1
- Fixed and Adjustable Rate options – Choose from FRM or ARM structures
- Primary or second home eligible – Use for your main residence or vacation property
- Non-conforming loan – Exceeds conventional loan limits set by FHFA
- Competitive jumbo rates – Tailored solutions to support larger loan balances
- Local expertise – Work with advisors who understand the jumbo loan market
Ideal For:
A Jumbo Loan is ideal for well-qualified borrowers who need to finance a high-value home that exceeds conforming loan limits ($806,500+ as of 2025) set by Fannie Mae and Freddie Mac.
Frequently Asked Questions
A: A jumbo loan is a mortgage that exceeds the conforming loan limit set by the Federal Housing Finance Agency (FHFA). Because these loans fall outside standard agency guidelines, they are considered non-conforming and follow separate underwriting requirements.
If you’re buying or refinancing a high-value home and need to borrow more than the conforming limit, a Mortgage Advisor can walk you through your options.
A: United’s Jumbo Loan can be used to finance a primary residence or a second home. Whether you're purchasing or refinancing, you can choose from fixed-rate or adjustable-rate mortgage (ARM) options to fit your goals.
To confirm property eligibility for your situation, connect with a Mortgage Advisor.
A: United offers jumbo financing for loan amounts above the Federal Housing Finance Agency's 2026 conforming limit of $832,750. To explore current limits and learn more, visit the FHFA website. Qualified borrowers may finance up to $2 million for a primary residence, or up to $1.5 million for a second or vacation home.
Your maximum loan amount depends on factors such as credit, income, assets, and loan-to-value (LTV). A Mortgage Advisor can help determine how much you may qualify for.
A: Jumbo loans typically require stronger credit profiles than conforming mortgages. While United does not publish a specific minimum credit score, most lenders look for well-established credit, steady income, and strong overall financial stability.
The best way to understand your credit eligibility is to speak with a Mortgage Advisor.
A: Jumbo loans often require higher down payments than conforming loans, but United offers competitive options. Qualified borrowers may finance up to 95% of the retail value on a primary residence, meaning as little as 5% down. For second homes, financing is available up to 90%.
Your exact down payment depends on loan size, property type, and credit profile. A Mortgage Advisor can review your options.
A: Because jumbo loans exceed the conforming loan limits set by the FHFA, they are not eligible for purchase by Fannie Mae or Freddie Mac. This means lenders assume more risk, which can lead to more detailed verification of assets, income, credit history, and loan-to-value (LTV).
Your Mortgage Advisor can help you understand what documents you may need when applying for a jumbo loan.
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Offer and terms subject to change. Loans subject to credit and collateral approval. Rate and term based on individual credit history and program guidelines. Up to 360 months financing available. Consult a mortgage advisor for more details.
Payment Example: $850,000 financed for 360 months at a fixed rate of 6.422% APR equals a monthly payment of $5,327.94. Payment example does not include amounts for taxes and insurance premiums. If applicable, actual payment obligation will be greater.
[1] Financing up to 95% of the retail value of the primary residence available. If financing a secondary or vacation home, maximum loan amount is $1.5 million. Financing up to 90% of the retail value available on secondary or vacation homes.