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Jumbo Mortgage Loans


Jumbo Mortgage Loans

With all the same great features as our fixed-rate mortgages, a jumbo loan is the answer if you're looking to borrow more than $765,600.



A happy family is standing outside their beautiful new home bought with a jumbo loan.


Features of a Topside FCU Jumbo Mortgage Loan



Jumbo Mortgage Loan Key Details

It's called a jumbo loan because it offers the chance to borrow more than the conforming amount set by the Federal Housing Finance Agency (FHFA).

  • Choose a jumbo loan if you want to borrow more than $647,200.
  • You get the same competitive APR through the life of your loan.
  • Loan terms are 10, 15, 20, or 30 years to suit your budget.
  • Down payments start at 10% with no private mortgage insurance (PMI) needed.
  • You need good credit and higher income levels to qualify.
  • Easily apply online and use free automatic transfer from your Topside accounts.

Your jumbo loan will be expertly serviced by our partners at Credit Union Mortgage Association (CUMA).

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Working on computer in home



“Have been banking with Topside since we got married in 1966, my husband before that. Always been pleased with the kindness we received, not to mention always there when we needed a loan. We have used Topside for our car, mortgage, & credit card debt. Extra cash for home repairs, you name it! We have always depended on Topside for all our financial needs. Thanks, from a Colonial Beach customer!”

H. and J. Stine


Take Advantage of These Benefits With Your Jumbo Loan


Fixed APR

Use our Loan Consultant feature to find out what home loan rate you might get for your jumbo mortgage loan.

HarmonyLoan™ Feature

If market rates drop, you can potentially change your rate without the hassle and expense of a refinance.

Handy Calculators

Use our range of calculators to explore how much home you can afford and estimated payments.

Easy Management

Make payments and access your Topside accounts with free Online and Mobile Banking.

Simple Application

Applying is easy and you can even sign documents electronically to save time.



Tools to Use When Applying for a Jumbo Mortgage Loan:



Jumbo Mortgage Loan FAQs


Explore More Topside Home Loan Options


VA Loans

If you're an eligible U.S. Veteran or active duty service member, a VA loan offers low rates with generous terms and no down payment so you can enjoy living in your own home.

Learn More

FHA Loans

Enjoy easier qualifying, a low down payment, and lower mortgage insurance than conventional loans. First-time and repeat home buyers may be eligible.

Learn More

Home Equity Loans and Lines of Credit

Pay for renovations, weddings, college, debt consolidation, and anything else you want through a low-interest lump sum loan or a revolving line of credit.

Learn More