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Buy or refinance with jumbo loans up to $3.5 million

San Mateo Credit Union is ready to help you buy, refinance, or improve your home with great rates, fast service, and a variety of affordable loan options.

SMCU offers all of the following and more:

  • Jumbo loans up to $3.5 million
  • Great rates on fixed and adjustable-rate loans: Get a custom rate quote >
  • New Cash-Out Loan lets cash buyers refi for 75% cash out after 30 days1
  • An 80/10/10 loan that lets you avoid PMI2
  • 40-year ARMs available2
  • Home Equity Loans and Lines of Credit

And you may not need as large a down payment as you think:

  • As low as 3% down up to $484,350
  • As low as 5% down up to $1 million3
  • As low as 10% down up to $1.5 million
  • As low as 25% down up to $3.5 million
We work with you to find solutions that work for you – because owning a home should be an option for everyone. To get started, apply now to get prequalified or contact us using the form below. You can also call (650) 363-1799.


Contact an SMCU Real Estate Expert – we’ll get right back to you:

What mortgage type are you interested in? (Check all that apply.)

Are you a current SMCU member?

All mortgage loans through San Mateo Credit Union are for homes in California only. Adequate property insurance required for the life of the loan. Flood insurance may be required. All loans are subject to credit approval. Please speak with a Real Estate Representative for current rates and information on loan limits as additional conditions and restrictions may apply. San Mateo Credit Union NMLS #416747.

The 75% loan-to-value “Cash out loan” is available up to $2,500,000 on 30-year term adjustable-rate mortgages only.
The 80/10/10 and 40-year terms on ARMs available for purchase mortgages only; no refinances.
5% down on loan amounts up to $1 million does not apply on our 3/1 ARM Jumbo or 40 Year Amortization Products.