Jumbo Mortgage Loan

Get a right-sized mortgage for your higher priced home

Personalized service results in financing tailored to your specific needs

Lower down payment requirements can limit your upfront costs

Refinancing options can reduce your interest rate or monthly payments

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


Ideal Credit Union can make buying your Minnesota dream home a reality with the right mortgage loan. Our mortgage lenders are ready to assist you.

We know this is a big investment

Our Jumbo Mortgage Loans feature expert guidance, personalized underwriting and local decision-making and servicing.

Learn more about our Jumbo Mortgages by making an appointment with our team.
Ideal Credit Union Mortgage Lender Cynthia Stewart.
Cynthia Stewart

Cynthia has been with Ideal CU since 1991, working in the cash services, member service, and mortgage areas. With years of experience, Cynthia is dedicated to understanding members' unique needs and ensuring they have the best financial solutions.

Email: [email protected]
Phone: 651-773-2843
NMLS#: 446884

Apply with Cynthia

Available to meet in-person at the following offices:

Denise Swanson

Denise is a Mortgage Loan Officer at Ideal Credit Union with more than 14 years of experience. She works with members throughout the home loan process and is known for her patient approach. Denise listens carefully to tailor solutions to each member’s needs.

Email: [email protected]
Phone: 651-773-2823
NMLS#: 888469

Apply with Denise

Available to meet in-person at the following offices:

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