Membership eligibility required. All offers subject to credit approval. Some offers require minimum 6 months of principal, interest, taxes and insurance reserves, a maximum Loan-To-Value ratio of 70%, a minimum FICO score of 700 and maximum debt-to-income ratio of 45%. Additional property and borrower eligibility restrictions may apply; contact us for details. Adjustable-Rate mortgages available to qualified borrowers with a minimum FICO score of 740+. Jumbo mortgages are for loan amounts exceeding $647,200 (with a maximum of $1,250,000 total debt exposure). Jumbo mortgages over 80% loan-to-value (LTV) normally require mortgage insurance. Condominiums, second homes and investment properties are ineligible for 90% LTV financing with no mortgage insurance. Applications accepted for properties located in all U.S. states except Texas. Third-party charges, origination fees, points and interim interest may apply. Terms and conditions are subject to change without notice.