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Jumbo Loan Options

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Jumbo Loan Options

Jumbo, or non-conforming loans, may be a good option for borrowers that have a higher-value property and can manage larger monthly mortgage payments. Jumbo loans are available for purchase and refinance loans (including cash-out refinances).


  • Available in a variety of fixed- and adjustable rate loan options
  • May be able to add extra features, such as temporary buydowns


  • Provides financing for loan amounts up to $3 million

  • Provides the convenience of one loan for the entire loan amount


  • Interest rates are usually higher on jumbo loans than on conforming loans with lower loan amounts.

Interest-Only Jumbo Loan

The interest-only jumbo loan product is designed to serve borrowers who require a higher loan amount, but prefer a lower mortgage payment for the first few years of the loan. An interest only home loan may not be the best option for all borrowers.


  • Maximum loan amount up to $3,000,000.
  • Down payment as low as 25% for purchase transactions.
  • Purchase and rate term refinance loan options available.
  • 5/1, 7/1, and 10/1 adjustable rate mortgage (ARM) options available.
  • Available for a primary residence or second home. Condos may be eligible.
  • No pre-payment penalty.


1. Interest only products are not the best products for all borrowers or all situations. Consult your Mortgage Consultant and/or a Certified Financial Planner to assist in determining if this product is right for your individual circumstances. Loan product not available in West Virginia.

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