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Jumbo Mortgage Loans at OneAZ Credit Union

Jumbo Mortgage Loans make homeownership possible even in the most expensive real estate markets.

Dream Big!

With home values at all-time highs, more people are taking advantage of jumbo loans to purchase their new homes. Whether you’re looking for a new house or a vacation home, we have the right loan for you no matter the price tag.

Finance your dream home with a jumbo loan from OneAZ.

Apply nowCall 855.505.4663

What is a Jumbo Loan?

A Jumbo Loan is used for homes and properties where financing exceeds $726,200. That number changes each year and is determined by limits set by the Federal Housing Finance Agency (FHFA).

Jumbo Loans are also known as non-conforming loans because they are not guaranteed by Fannie Mae or Freddie Mac. The benefits of a Jumbo Loan from OneAZ include:

  • Financing up to $1,000,000 with only 3% down
  • Loan amounts up to $3,000,000
  • Reduced mortgage insurance premiums
  • Your loan stays local from application to funding

How soon do you want to buy a home?

I’m ready now, I’ve found a home.

Apply online to find a jumbo mortgage that is just right.

Get a personalized solution.

I want to start looking at homes to buy.

Before house hunting, you need an approval letter.

Start my approval.

Right now, I’m just looking.

Learn what you can afford with a few questions.

See what I can afford.

Apply for a Mortgage Loan

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Our mortgage team is ready to find the loan solution for your needs.

Apply Now

Call our Virtual Team


Speak with an experienced mortgage loan officer 24/7.


Find a Branch


Locate a nearby branch and connect with a loan officer.

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Schedule an appointment with a mortgage loan officer.


Our Easy Homebuying Process

Get Pre-Qualified

It’s easy to get pre-qualified for your home loan at OneAZ. Apply now online or over the phone.

Find Your New Home

With your pre-qualification, you can start searching for a home that fits your budget and let us know when you find it.

Close the Deal

Once you’ve found your new home, choose your loan terms, lock-in your rate, and close on time, guaranteed.

Today's rates.

View the latest rates for jumbo mortgage home loans and more.

View rates

Frequently Asked Questions

Jumbo loans work differently than conventional mortgages. These loans have stricter requirements than other types of mortgages, and you’ll have to meet verify specific property type, down payment, credit score and debt-to-income ratio requirements to get one.

  • Loan limit must exceed $726,200
  • Debt to income ratio
  • Similar to conventional loan

Previously jumbo mortgage loans were used for those seeking to purchase a luxury home. However, with home prices increasing across the state, jumbo mortgage loans are becoming more typical. It allows borrowers an opportunity to purchase a home that doesn’t qualify under an existing loan.

Our Jumbo Loans aren’t one-size-fits-all. Whether you’re looking for a fixed-rate or adjustable-rate mortgage, our Jumbo financing solutions will fit your individual needs.

  • Jumbo Loans for primary residences and vacation homes
  • Purchases and refinances qualify
  • Competitive rates and pricing

You can contact our local team of experienced mortgage loan officers to answer any additional questions you may have about jumbo mortgage loans. They can be reached by phone, online or by visiting a local branch.

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We check all the boxes you’re counting on.

  • 0.25% Discount Enjoy a discount on your home loan interest rate just for banking with us2
  • Guaranteed On-time Closing Our loans close in 24 days or we’ll give you $1,0003
  • Low Fees at Closing OneAZ has some of the lowest fees in Arizona
  • Local Expertise Our mortgage team knows the local market and will keep you informed on the progress of your loan application
  • 24/7 Live Loan Application Support Apply for your loan by phone or online anytime, day or night, weekday or weekend

See what OneAZ members are saying about our mortgages!

OneAZ Credit Union is not responsible for the content on the ReviewTrackers and Facebook websites.

OneAZ mortgages by the numbers.


Members who said "home sweet home" since 2020


Mortgage Agents serving Arizona
Meet Our Team


Our mortgage team is standing by to help you achieve your financial goals.

Mortgage Loan Resources

At OneAZ, we want you to have the tools and the knowledge to make confident, smart decisions about your finances.

Explore More Topics

What is a Jumbo Mortgage Loan?

A jumbo mortgage is used when a mortgage loan exceeds the conventional loan limits set by the FHFA for Fannie Mae or Freddie Mac.

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Are you on the hunt for a new home and wondering how much you can afford? Here are some ways to figure out how much home you can afford!

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First Time Homebuyer? Prepare for These 7 Hidden Costs

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All loans are subject to credit approval and program eligibility. Click here for the Nationwide Mortgage Licensing System Associate List.

1 Cash out and LTV Limitations on Refinance Transactions are applicable.

2 Conditions apply. Rates and terms subject to change at any time. Discounted interest rate is available on purchase and refinance loans.

To qualify for .25% discount, you will need to agree to the following or have already established the following: Establish membership, Open a OneAZ checking account, Set up a monthly direct deposit of $1,000 or more and set up an auto pay for the new loan. The offer does not apply to FHA, VA or USDA mortgages.

3 24-Day Close Guarantee-Conditions apply. Terms and Conditions must be signed and acknowledged by both parties. For full details, refer to the Mortgage Closing Agreement.

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