Financing Premier Properties with The Texas Mortgage Pros
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.
To qualify for a jumbo loan in Texas, borrowers must meet the following:
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.
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.
The LTV ratio for jumbo loans typically ranges from 70% to 90%, depending on the lender and borrower qualifications. For example:
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.
A Texas Jumbo Loan could be the ideal solution if you are:
If your dream home costs more than what conventional loans cover, The Texas Mortgage Pros is here to bridge that gap.
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.
Navigating the jumbo mortgage landscape requires specialized knowledge and access. Here’s why Texans trust us:
This process ensures you meet all requirements for jumbo loan approval and stay within the Texas jumbo loan limit for your purchase.
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.
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
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.
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!
While specific requirements vary by lender, qualifying for a jumbo loan typically involves demonstrating strong financial health. Key factors generally include:
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.
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!
The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply.
