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Jumbo Loans

Get the loan for the home you want

If your dream home is over a certain amount, you'll need to apply for a Jumbo Loan. Find out what that looks like here.

Why an SF Fire Jumbo Loan?

Rates as low as

When Do You Need a Jumbo Loan?


Some properties are too expensive for a conventional conforming loan. If the dream home you're looking at is over the conventional loan limits, you'll need to apply for a Jumbo Loan. While the national limit is $647,200, the limit varies by county based on the local housing market. In San Francisco, Marin, and San Mateo counties, the limit is $1,089,300.

Most lenders will want to see a FICO¬ģ of at least 700, sometimes as high as 720, to get approval for a Jumbo Loan. Because Jumbo Loans are large and can't be guaranteed by Fannie¬† Mae and Freddie Mac, they are considered to be riskier than conventional conforming loans.¬†

Jumbo loans are typically available with either a fixed interest rate or an adjustable rate, and they come with a variety of terms. Our SF Fire Credit Union Loan Officers can offer a variety of Jumbo products that are often more flexible than national lenders, based on our knowledge of the local market and risk factors. 

Jumbo Adjustable Rate Mortgage Rates

Super Jumbo = greater than $1,149,825*


10/1 ARM

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7/1 ARM

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5/1 ARM

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3/1 ARM

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*Annual Percentage Rate reflects FICO Score of 740 or higher (also known as creditworthiness‚ÄĒyour Score may vary and affect the corresponding APR) and is based on a loan for an owner-occupied (primary residence), single-family dwelling in California with a loan-to-value ratio of 80% or less. Other restrictions may apply. These rates are for informational purposes only and are subject to change without notice. No rate is guaranteed without a valid rate lock. Please call or email our Real Estate department for other quotes or information.


Conforming and High Balance loan limits for certain counties in California have been revised for 2024. Certain restrictions apply.


3/1 and 5/1 ARM are loans that are fixed for the first 3 or 5 years and adjusted on an annual basis thereafter. The index used is the 1 year US Treasury Security adjusted to a constant maturity of one year.


ARM Rate Adjustments
‚ó¶Investment Property: add 0.50 basis points to Rate
‚ó¶FICO Score less than 660: add 0.25 basis points to Rate
‚ó¶ Loan-to-Value greater than 80%: add 0.25 basis points to Rate


A point is equal to 1% of the balance of the loan amount.


5/1 ARM (30 Year) Mortgage Payment Example: The information provided assumes the purpose of the loan is to purchase an existing single family home to be
used as a primary residence, with a loan amount of $100,000, located in San Francisco County. The assumed credit score is 740. Therefore, on a $100,000 5/1 ARM (30 Year) mortgage with an initial interest rate of 2.50% and an APR of 3.391%, where the interest rate adjusts annually with a maximum of 2% points up or down and will never exceed 6% points above or below the initial APR, a payment example would be as follows based on a fully capped interest rate over the life of the loan:


Years 1 ‚Äď 5
Rate: 2.50%
Payment Amount: $395.12

Year 6
Rate: 4.50%
Payment Amount: $489.55

Year 7
Rate: 6.50%
Payment Amount: $591.28

Years 8 ‚Äď 30
Rate: 8.50%
Payment Amount: $698.72

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  1. Flat Fee Services include fees for credit reports, flood certificate, tax service, document prep, processing and underwriting. Flat Fee Services do not include appraisal, title or escrow fees or other fees not exclusively listed under Flat Fee Services. Appraisal fees will be collected prior to an appraisal being ordered and are not refundable once the appraisal has been started. Appraisal, title, escrows and other costs not exclusively listed under Flat Fee Services vary based on property and transaction type.