Jumbo Mortgage Loans
Jumbo loans are mortgage loans that exceed the conforming loan limits set by Fannie Mae and Freddie Mac. These specialized loans are designed for high-value properties or homes in expensive housing markets where standard loan limits don't provide sufficient financing. While they come with stricter requirements, jumbo loans offer competitive rates and flexible options for luxury properties or high-cost areas.
Why Choose Jumbo Loans?
Discover the advantages that make Jumbo loans a great choice for Texas homebuyers.
Higher loan amounts for luxury or high-cost properties
Competitive interest rates compared to conforming loans
Fixed-rate and adjustable-rate options available
Various term options including 15, 20, and 30 years
Interest-only options available with some programs
Single loan solution instead of combining multiple loans
Options for primary homes, second homes, and investment properties
Eligibility Requirements
See if you qualify for a Jumbo loan with these requirements.
Credit Requirements
- Excellent credit profile with minimum scores typically 700+ (higher scores for larger loan amounts)
- Clean credit history with minimal to no late payments
- Low debt-to-income ratio, typically 43% maximum (may be stricter for larger loans)
- Substantial reserves after closing (typically 6-12 months of payments)
Income & Employment
- Strong, stable income history (typically 2+ years)
- Thorough income documentation required
- Self-employed borrowers need 2+ years of business tax returns
- Substantial cash reserves often required
Down Payment & Property
- Minimum down payment typically 10-20% (can be higher for larger loans)
- More stringent property appraisal requirements
- Second appraisal may be required for very large loans
- Can be used for primary residence, second home, or investment property
Your Path to Homeownership
We'll guide you through every step of the Jumbo loan process.
Financial Assessment
Meet with our jumbo loan specialists to review your financial situation and determine the right jumbo loan program for your needs.
Pre-Approval
Complete a detailed pre-approval process which includes thorough income verification and asset review to strengthen your position in the luxury home market.
Property Selection
Work with a real estate agent experienced in high-end properties to find a home that meets your needs and preferences.
Comprehensive Appraisal
Once under contract, a detailed appraisal will be conducted, often with more rigorous standards than conforming loans. Large loans may require multiple appraisals.
Enhanced Underwriting
Our underwriting team conducts a thorough review of your application, with additional scrutiny typical for jumbo loans.
Closing
After final approval, you'll attend closing to sign documents, pay closing costs, and receive the keys to your new luxury home.
Financial Assessment
Meet with our jumbo loan specialists to review your financial situation and determine the right jumbo loan program for your needs.
Pre-Approval
Complete a detailed pre-approval process which includes thorough income verification and asset review to strengthen your position in the luxury home market.
Property Selection
Work with a real estate agent experienced in high-end properties to find a home that meets your needs and preferences.
Comprehensive Appraisal
Once under contract, a detailed appraisal will be conducted, often with more rigorous standards than conforming loans. Large loans may require multiple appraisals.
Enhanced Underwriting
Our underwriting team conducts a thorough review of your application, with additional scrutiny typical for jumbo loans.
Closing
After final approval, you'll attend closing to sign documents, pay closing costs, and receive the keys to your new luxury home.
Frequently Asked Questions
Get answers to common questions about Jumbo loans.
Jumbo loans begin where conforming loan limits end. The conforming loan limit is set each year by the Federal Housing Finance Agency (FHFA) and is higher in some high-cost counties. Any loan amount above the limit for your county is considered a jumbo loan; ask us for the current figure. There is technically no upper limit for jumbo loans, though lender requirements become more stringent as loan amounts increase.
Ready to Get Started?
Our Jumbo loan specialists are here to help you every step of the way. Start your pre-approval online.
Real clients. Real closings.
What borrowers say about working with Dustin. Every review is five stars.
★★★★★
“As a first-time home buyer, Dustin was super helpful and very good at explaining the answers to all of my questions. He took my calls and texts at any time of day. Even on closing day he showed up and made me feel calm and assured as we signed.”
Michael R.
Purchase · closed April 2026 · Client review
★★★★★
“We had an excellent experience during our refinance. The entire process was smooth, efficient, and incredibly fast. Everything was explained clearly and communication was great. Dustin and his team truly made refinancing stress-free.”
Jacqueline C.
Refinance · closed January 2026 · Client review
★★★★★
“We want to thank Dustin for going out of his way at all times. Every question we had, he answered and broke down so we had a better understanding. Thank you for all your hard work and for helping us reach our goal of becoming homeowners.”
Vicente R.
Purchase · closed March 2026 · Client review
★★★★★
“Dustin was great to work with — very available, attentive, knowledgeable, professional, and he got things wrapped up in a timely manner. I would highly recommend Dustin for your loan needs. Thanks, Dustin!”
Dawn G.
Purchase · closed February 2026 · Client review