Jumbo Home Refinance

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Refinance a larger mortgage to save big.

  • A jumbo loan is your refinance option if your home loan exceeds $726,200, which is the limit set by the Federal Housing Finance Agency.
  • Loan amounts go up to $1,644,750. 
  • All jumbo loans are adjustable-rate mortgages (ARMs), which feature a rate that may change semi-annually after a fixed term.
  • Choose a term of 15 or 30 years, with ARM options of 3 yr/6 mo, 5 yr/6 mo or 7 yr/6 mo.
  • Option to cash out your home equity.
  • Get up to $500 off closing costs1 just by choosing UW Credit Union

Learn more about home loan refinancing in our FAQs. 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 3 yr/6 mo.

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 yr/6 mo ARM has a fixed rate for five years. After five years, the rate may adjust every six months for the remainder of the loan.

Young couple cooks in the kitchen of their new home after saving on closing costs

Jumbo 7 yr/6 mo Adjustable-Rate Mortgage


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