Jumbo ARM Loans

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Larger loan amounts for dream homes.


  • Jumbo loans offer financing options above $548,250, which is the limit set by the Federal Housing Finance Agency.
  • Loan amounts go up to $800,000. Exceptions can be made for higher amounts.
  • All jumbo loans are adjustable-rate mortgages (ARMs), which feature a rate that may change annually after a fixed term.
  • Choose a loan term of 15 or 30 years, with ARM options of 1/1, 3/1, 5/1 and 7/1.
  • Adjustable rates may go up or down depending on the market.
  • Annual rate caps - Your rate will not increase by more than 2% with each annual adjustment.
  • Lifetime rate caps - Your rate will not increase by more than 5% total over the life of the loan for 5/1 and 7/1 ARMs, or 6% for 1/1 and 3/1 ARMs.
  • First-time homebuyer special offer! Get up to $1,000 off closing costs.

To compare jumbo loan terms, rates and payments, get a rate quote.

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What Do the Numbers Mean?

Adjustable-rate mortgages (ARMs) use figures such as 1/1 and 3/1.

The first number is the number of years the initial fixed-rate term lasts. The second number is how often the rate may adjust after the initial fixed term.

For example, a 5/1 ARM has a fixed rate for five years. After five years, the rate may adjust once per year for the remainder of the loan.

Already a Homeowner?

Learn more about refinancing your existing home or discover ways you can use your home equity to cover big expenses, such as home improvement projects, debt consolidation or education.

7/1 Jumbo Adjustable Rate


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