Jumbo Mortgage Loan

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Our Jumbo Loans are super-sized. But not super expensive.

Maybe your growing family needs more space. Or you're moving to a high-end neighborhood. Or you're about to purchase a vacation home in a popular place. In those cases – and others – you may need a mortgage that exceeds standard limits. At Ideal Credit Union, we offer loans designed to control your overall costs, with lower down payments, competitive interest rates and other financial benefits.

Designed for higher-priced properties that exceed the federal government's current conforming loan limit of $806,500
May be used to buy an existing property or refinance your current loan
With our construction loan partner, Jumbo loans can easily transition from building your new home to a permanent mortgage
Fixed-rate and adjustable-rate options – and loan terms up to 30 years – allow you to customize your mortgage to fit your financial needs
With as little as 5% down, you can hold onto more of your hard-earned savings

Learn more about our Jumbo Mortgages by making an appointment with our team.

Deb Flettre

As Sales Manager, Deb is passionate about supporting her team, fostering collaboration, and creating opportunities for growth and success. She believes that strong relationships are the foundation of exceptional member experiences and takes pride in helping teams work together to deliver outstanding results. Known for her positive attitude, approachable leadership style, and dedication to helping others, Deb brings enthusiasm, experience, and a genuine passion for people to everything she does.

Email: [email protected]
Phone: 651-773-2817
NMLS#: 452376

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Tim Frid

With more than a decade of mortgage lending experience, Tim is passionate about helping members achieve their homeownership and financial goals. He is committed to providing personalized guidance, building lasting relationships and making the mortgage process as smooth and stress-free as possible. Whether assisting first-time homebuyers, current homeowners or those considering refinancing, Tim takes pride in finding solutions that fit each member's unique needs.

Email: [email protected]
Phone: 651-773-2820
NMLS#: 1336657

Apply with Tim

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Hope Chu Yang Heu

Hope is excited to help members achieve their financial and homeownership goals. As a Junior Mortgage Loan Officer, she is committed to supporting members throughout their financial well-being journey, providing guidance and personalized service every step of the way. Hope is passionate about helping individuals and families navigate the mortgage process with confidence and ease. Her friendly approach and dedication make her a valuable resource for homebuyers.

Email: [email protected]
Phone: 651-773-2827
NMLS#: 2839330

Deb Flettre

Email: [email protected]
Phone: 651-773-2817
NMLS#: 452376

Apply with Deb

Make an Appointment

Tim Frid

Email: [email protected]
Phone: 651-773-2820
NMLS#: 1336657

Apply with Tim

Make an Appointment

Hope Chu Yang Heu

Email: [email protected]
Phone: 651-773-2827
NMLS#: 2839330

Home Buying & Selling Seminars

Make plans to attend one of our upcoming free seminars to pick up helpful information about buying and selling a home.

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Lending in 41 States

Our partnership with Servion allows us to offer home loans in 41 states, with financing up to $832,750. Available on primary residences, second homes or investment properties, these loans can be used to purchase or refinance an out-of-state home.