Texas Jumbo Loans

Financing Premier Properties with The Texas Mortgage Pros

What is a Texas Jumbo Loan?

A Texas Jumbo Loan is a mortgage that exceeds the “conforming” loan limits set annually by the Federal Housing Finance Agency (FHFA). These limits dictate the maximum loan amount that government-sponsored enterprises like Fannie Mae and Freddie Mac can purchase or guarantee.

Texas boasts some of the nation’s most desirable and unique properties. When your aspirations lead you to a home that exceeds standard financing limits, The Texas Mortgage Pros are here to bridge the gap. We specialize in Jumbo Loans, providing tailored mortgage solutions for high-value properties across the Lone Star State. Whether you’re eyeing a luxury estate in Dallas, a sprawling ranch near Austin, a sophisticated residence in Houston, a historic home in San Antonio, or property in other prime Texas locations, our expertise ensures a smooth path to financing your dream home.

Jumbo Loan Texas

Benefits of Jumbo Loans in Texas:

Jumbo Loan Requirements

To qualify for a jumbo loan in Texas, borrowers must meet the following:

Your Dream Home Awaits

The Texas Mortgage Pros simplify every step, ensuring a smooth path to homeownership.

“With competitive rates and expert guidance, jumbo loans in Texas make financing high-cost properties stress-free.”

Types of Jumbo Loans in Texas

Jumbo Loan Interest Rates

Interest rates for jumbo loans in Texas are usually slightly higher than those for conventional loans due to the increased risk for lenders. However, with excellent credit and financial stability, borrowers can secure competitive rates.

Jumbo Loan Limit Texas Explained

For 2025, the baseline conforming loan limit for a one-unit property in most of the U.S. is $806,500. However, this limit can be significantly higher (up to $1,209,750 for 2025) in federally designated high-cost areas within Texas where median home values are elevated. Because property values in many desirable Texas markets often surpass these standard limits, a Jumbo Loan is specifically designed to provide the necessary financing. We can help you determine the exact conforming limit for your target county.

Jumbo Loan Loan-to-Value (LTV) Ratio

The LTV ratio for jumbo loans typically ranges from 70% to 90%, depending on the lender and borrower qualifications. For example:

Jumbo Loans in Texas: Unlock Your Extraordinary Texas Home

Perhaps your vision for the perfect Texas home extends beyond the ordinary, encompassing a property whose value requires home financing that exceeds standard conventional loan limits. Owning such a home is a significant aspiration, and The Texas Mortgage Pros is here to ensure the financing aligns seamlessly with your ambitions. We specialize in providing expertly crafted jumbo loans throughout Texas, offering tailored solutions precisely for those acquiring higher-value properties.

Navigating the complexities of significant home financing can be daunting, but our seasoned mortgage experts are dedicated to transforming that process into a smooth and stress-free experience. We pride ourselves on delivering personalized guidance focused intently on your financial objectives, combined with efficient processing and swift approvals, paving the clearest path to turning your dream of exceptional Texas homeownership into a reality.

Types of USDA Loans in Texas
Options with USDA Loans in Texas

Is a TexasJumbo Loan Right for you?

A Texas Jumbo Loan could be the ideal solution if you are:

  • Purchasing a High-Value Property: Looking to buy a home priced above the current conforming loan limits for its specific Texas county, whether in major metro areas like DFW, Houston, Austin, San Antonio, or other sought-after communities.
  • Seeking Luxury Real Estate: Financing a luxury home, estate, high-value vacation property, or high-end condominium.
  • Refinancing a Large Mortgage: Aiming to refinance an existing large mortgage balance, potentially securing better terms or accessing equity.
  • A High-Income Earner: Possessing the income and assets to comfortably manage larger mortgage payments associated with premier Texas properties.
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If your dream home costs more than what conventional loans cover, The Texas Mortgage Pros is here to bridge that gap.

Pre-Qualify

Get Pre-Qualified Now

Ready to take the next step toward homeownership? Get prequalified for a jumbo loan limit Texas in just a few minutes. Discover how much you can invest in your future.

Discover your qualification amount in 10 minutes or less with our easy, online pre-qualification process.

Get an instant estimate of how much you can qualify for, streamlining your home-buying journey.

Partner with our experienced, local loan experts who are dedicated to providing personalized and knowledgeable support.

Count on us to guide you smoothly through the process, ensuring your loan closes on time, every time.

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Advantages of Working with The Texas Mortgage Pros for Your Jumbo Loan:

Navigating the jumbo mortgage landscape requires specialized knowledge and access. Here’s why Texans trust us:

  • Deep Texas Market Knowledge: We live and work here. We understand the nuances of Texas’s diverse and dynamic real estate markets, from Westlake and Highland Park to the Hill Country and The Woodlands.
  • Access to Diverse Lending Options: As experienced brokers, we have established relationships with a wide network of lenders offering competitive jumbo loan products, ensuring you get favorable terms.
  • Personalized Guidance: Jumbo loans aren’t one-size-fits-all. We take the time to understand your unique financial situation and goals to structure the perfect loan for you.
  • Competitive Rates & Terms: We diligently shop for the most advantageous rates and terms available, potentially including options like fixed-rate, adjustable-rate (ARM), and interest-only payments.
  • Streamlined & Efficient Process: We know your time is valuable. Our team is dedicated to making the application and approval process as seamless and efficient as possible, handling the complexities so you don’t have to.
  • Expertise in Complex Financing: Our loan officers possess specific expertise in underwriting and processing jumbo loans, anticipating requirements and navigating potential hurdles effectively.

Your Dream Home Awaits

The Texas Mortgage Pros simplify every step, ensuring a smooth path to homeownership.

How It Works

Jumbo Loan Approval Process

This process ensures you meet all requirements for jumbo loan approval and stay within the Texas jumbo loan limit for your purchase.

Step 1

Prequalification

Work with our Jumbo loan specialists to review your income, credit score, and financial history. Meeting the jumbo loan limit Texas is essential to qualify.

Step 2

Document Submission

Prepare key documents such as: Tax returns and W-2s (last two years), Bank statements (last two months), Proof of assets or reserves, Credit report and employment verification

Step 3

Underwriting and Appraisal

Once you submit your loan application, the underwriting process begins. Lenders will evaluate your financial details and order a property appraisal to ensure the home’s value meets the loan requirements.

Loan Approval and Closing

After underwriting approval, finalize the loan details, sign the necessary paperwork, and officially close on your dream property. Congratulations—you’re ready to move into your new home!

Step 4

A military member hugging a young girl, symbolizing family support through VA Loans in Texas.

Qualifying for a Texas Jumbo Loan

While specific requirements vary by lender, qualifying for a jumbo loan typically involves demonstrating strong financial health. Key factors generally include:

  • Excellent Credit Score: Borrowers usually need higher credit scores compared to conforming loans (often 700+).
  • Significant Income & Assets: Verifiable income sufficient to cover payments and substantial assets or cash reserves (post-closing liquidity) are crucial.
  • Lower Debt-to-Income (DTI) Ratio: Lenders look for a manageable level of existing debt relative to your income, often stricter than conforming loan guidelines.
  • Larger Down Payment: While options starting around 10-15% down may exist, a down payment of 20% or more is common and generally required to access the best terms and avoid Private Mortgage Insurance (PMI).

Don’t let the requirements intimidate you. Our experienced team at The Texas Mortgage Pros will guide you through the documentation process and help present your financial profile effectively to potential lenders.

Buy Your Dream Home in Texas – Apply for a Jumbo Loan Today!

The Texas Mortgage Pros is all about making home financing smooth and stress-free. Quick approvals, competitive rates, and expert support—we’ve got you covered. Let’s turn that dream home into your new address. Apply for a Jumbo Loan now!