Finance the Hill Country luxury home you’ve had your eye on, confidently and on your terms.
San Antonio blends historic charm with modern growth, from tree-lined Alamo Heights and Terrell Hills to gated estates in The Dominion and the rolling Texas Hill Country. As upper-tier inventory expands and new-build luxury homes push beyond standard loan sizes, you benefit from jumbo mortgage options tailored to higher price points, competitive rates, and polished underwriting built for well-qualified buyers.
In Texas, including Bexar County, any first-lien mortgage exceeding the current conforming loan limit is considered a jumbo loan. For 2025, the conforming limit for a 1-unit property is $806,500, so amounts above that fall into jumbo territory in San Antonio.
Jumbo financing allows you to purchase or refinance luxury homes without having to stack smaller loans. You gain access to large loan amounts in a single note, a wide selection of fixed-rate and ARM options (including interest-only structures for qualified borrowers), and pricing that can be highly competitive when you bring strong credit, healthy reserves, and a conservative loan-to-value. You also avoid the complexity of piggyback second liens that some buyers use to stay under conforming caps.
You’ll see tighter credit and documentation standards than conforming loans. Lenders commonly look for the following:
You can tailor financing to your strategy:
Some states offer “high-cost” or “high-balance” conforming tiers above the national baseline. Texas counties, including Bexar, use the baseline conforming limit, so amounts above the conforming loan limit are considered jumbo rather than high-balance. That means you’ll work with jumbo guidelines rather than conforming to agency rules when you exceed the limit.
Position yourself like a pro: keep revolving balances low for optimal credit utilization, minimize contingent liabilities before locking, document bonus/commission history clearly, and park verified assets in seasoned accounts to satisfy reserve requirements. If your profile includes concentrated equity or RSUs, discuss eligible asset-depletion or alternative income calculations early so underwriting can align with your scenario.
Jumbo loans typically have higher down payment requirements than conforming loans. Because you’re borrowing a larger sum, lenders expect you to pay more up front. Some lenders require down payments of 20%, 25%, or even 30%.
To qualify for a jumbo loan in San Antonio, you generally need a higher credit score than you might for a conventional loan. Lenders use your credit score to assess your financial reliability, with higher scores indicating greater financial responsibility.
Traditional PMI isn’t typically used on jumbo loans. Instead, lenders price risk into the rate and terms and often require larger down payments and reserves to offset risk.
There will be instances where you’re required to obtain two appraisals, typically only for jumbo loans. And usually only on jumbo loans exceeding $1.5 million.
Ready to take the next step toward homeownership with VA Loans Texas? Get prequalified in just a few minutes and find out how much you can invest in your future.
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Ready to get started on your dream home? Call us today at (877) 280-4833. You’ll receive personalized guidance, competitive jumbo options, and a streamlined process from application to closing, allowing you to secure the right luxury property with confidence.
