🏠 This residential loan program is exclusively available for Texas borrowers.
← All Loan Programs🏰 Jumbo
Jumbo Home Loans
Financing for luxury and high-value homes above conventional loan limits.
Apply for This LoanOverview
Jumbo loans exceed the conforming loan limit ($766,550 in most areas) and are used for luxury homes, high-cost markets, and high-value properties. They have stricter qualification standards but allow buyers to finance premium properties that don't fit conventional programs.
- Finance high-value homes in one loan
- No need to split into multiple loans
- Competitive rates for highly qualified borrowers
Loan Specifications
Min Amount
$766,551
Max Amount
$5,000,000+
Loan Term
15 or 30 years
Max LTV
Up to 80–90%
Amortization
15 or 30 years
Rate Type
Fixed or ARM
Eligibility Criteria
- Minimum 700+ credit score (720+ preferred)
- Maximum 43% debt-to-income ratio
- 12–18 months cash reserves typically required
- Primary, secondary, and investment properties
Required Documents
Documents are uploaded through our encrypted secure portal, stored on Cloudflare R2 enterprise storage, and only accessible to your assigned broker via a private link. Never shared with third parties.
- 2 years full tax returns (personal and business)
- 2 years W-2s or 1099s
- 12 months bank statements
- Investment/retirement account statements
- Full appraisal (sometimes two appraisals required)