Need to exceed conforming loan limits? Jumbo loans give you the purchasing power to secure luxury homes and high-value properties with competitive rates and flexible terms tailored to strong borrowers.
No obligation. No credit check to get started.
Texas leads the nation in population growth, with the Houston, Dallas-Fort Worth, Austin, and San Antonio metros each adding tens of thousands of new residents per year. Strong job markets in tech, energy, and healthcare keep buyer demand steady, and Texas has no state income tax.
Texas's high-cost metros (Austin, parts of Dallas) regularly produce loan amounts above $1M. We routinely close jumbo loans up to $5M+ in Travis, Collin, and Tarrant counties.
A jumbo loan is a mortgage that exceeds the conforming loan limits set by the Federal Housing Finance Agency (FHFA).
Because jumbo loans cannot be purchased by Fannie Mae or Freddie Mac, they are held by private lenders and carry unique qualification requirements — typically stricter than conforming conventional loans.
Jumbo loans start where conforming loans end — at $806,500 or more for most areas, with higher thresholds in designated high-cost counties. If your dream property exceeds standard loan limits, a jumbo loan provides the financing you need.
Jumbo financing is designed for buyers seeking luxury residences, estate properties, and premium real estate, with loan amounts well into the millions.
Built for qualified borrowers who need financing beyond conventional limits.
Finance properties well beyond conforming loan limits, with loan amounts reaching into the millions.
Well-qualified borrowers with excellent credit and substantial assets can secure highly competitive rates, often comparable to or better than conventional pricing.
Choose from fixed-rate and adjustable-rate options with terms ranging from 15 to 30 years.
Stricter qualification standards than conventional mortgages.
Most jumbo lenders require 700+, with the best rates reserved for 740+. Strong credit demonstrates ability to manage large financial obligations.
Typically 10% to 20% depending on loan amount and lender. Larger down payments unlock better rates.
Lenders want to see 6-12 months of mortgage payments in liquid reserves after closing.
Total monthly debt obligations should not exceed 43% of gross monthly income. Some exceptions with strong compensating factors.
From consultation to closing with personalized attention.
Meet with a jumbo loan specialist to discuss your property goals, financial profile, and loan options.
Submit your financial documentation including income verification, asset statements, and tax returns.
Thorough review of your file plus a certified appraisal — jumbo appraisals require additional scrutiny.
Sign your final documents and receive the keys to your luxury property.
Answers to the most common questions about jumbo loans in Texas.
Lending Arena offers the full mortgage product set across Texas. See what else might fit your situation.
Lending Arena, NMLS #1603937. Licensed by the Texas Department of Savings and Mortgage Lending. Texas A6 home equity transactions are subject to the disclosures and protections of Texas Constitution Section 50(a)(6). Equal Housing Lender. This is not a commitment to lend. CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.