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In most counties across the U.S., a jumbo loan is any loan that exceeds $766,550. However, in areas deemed “high cost” by the Federal Housing Finance Agency, the limit can be as much as $1,149,825. This means that if you wanted to buy a home with a sales price of $1,000,000 and put 20% down, you’d need to take out a jumbo loan to finance the rest.

Spectrum Credit Union is not one to stand in the way of your dreams — talk to us about a jumbo loan today!

Financing is available for owner-occupied, non-owner occupied second homes, multi-family units, and PUDs.

More information

Our Mortgage Loan Officers are here to help you every step of the way. Please call our Home Loan Help Desk at 888-750-4124. For those outside the U.S., call 510-251-6010. 

To check your pending application status, simply log in to your existing application.

Please Note: Credit bureaus are allowed to make your contact information and credit score available to other mortgage providers. If you wish to opt-out of receiving pre-screened offers, call 888-5-OPTOUT (888-567-8688) or visit

Review our Privacy Notice for when we may share your information.

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