Jumbo Loans in Texas

We help Texas homebuyers secure financing for luxury and high-value properties that exceed standard conforming loan limits. Our Jumbo Loan programs are designed for borrowers seeking larger loan amounts, flexible financing solutions, and competitive rates for premium real estate purchases.

About

What Is a Jumbo Loan?

A Jumbo Loan is a mortgage used for homes that exceed conforming loan limits established by Fannie Mae and Freddie Mac. In many Texas housing markets, jumbo financing is commonly used for upscale homes, large properties, and luxury real estate purchases.

Since jumbo loans are not government-backed, lenders generally require stronger financial qualifications. However, they also provide higher borrowing limits and flexible loan structures for qualified borrowers.

Eligibility Criteria

Who Is Eligible for a Jumbo Loan in Texas?

You may qualify for a Jumbo home loan in Texas if you meet these common criteria:

Loan Amount: Above local conforming loan limits
Credit Score: Usually 700 or higher preferred
Down Payment: Typically 10–20% minimum
Debt-to-Income Ratio (DTI): Generally under 43%
Income & Assets: Stable income and financial reserves required
Property Type: Primary residence, vacation property, or investment home

Benefits

Benefits of a Jumbo Loan

Types

Types of Jumbo Loans We Offer

Fixed-Rate Jumbo Loan

Best For: Long-term homeowners
Highlights: Stable monthly payments and fixed interest rates

Adjustable-Rate Jumbo Loan (ARM)

Best For: Borrowers seeking lower initial payments
Highlights: Introductory fixed rate before adjustment period

Jumbo Refinance Loan

Best For: EHomeowners refinancing high-balance mortgages
Highlights: Lower monthly payments or equity access

Interest-Only Jumbo Loan

Best For: Buyers seeking payment flexibility
Highlights: Interest-only payments during the initial loan term

Comparison

Jumbo Loan vs Conventional Loan

Jumbo Loan

Loan Limit: Above conforming loan limits
Down Payment: Usually 10–20%
Credit Score: 700+ preferred
PMI Required: Often not required
Property Type: Primary, secondary, or investment
Interest Rates: Competitive
Documentation: More extensive review process

Conventional Loan

Loan Limit: Within conforming loan limits
Down Payment: Typically 3–20%
Credit Score: Usually 620+
PMI Required: Required below 20% down
Property Type: Flexible occupancy eligibility
Interest Rates: Competitive
Documentation: Standard mortgage requirements

FAQs

Frequently
Asked Questions

Still have a question?

JLLendingTeam: A collaborative group specializing in providing tailored lending solutions and financial support for clients.

What qualifies as a jumbo loan in Texas?

A jumbo loan is any mortgage amount that exceeds the local conforming loan limit established for Texas counties.

How much down payment is required for a jumbo loan?

Most lenders require a minimum 10–20% down payment for jumbo financing.

Can jumbo loans be used for second homes?

Yes. Jumbo loans can often be used for vacation homes and secondary residences.

Do jumbo loans require mortgage insurance?

In many cases, jumbo loans do not require private mortgage insurance, even with less than 20% down.

Still have a question?

JLLendingTeam: A collaborative group specializing in providing tailored lending solutions and financial support for clients.

JL Lending Team

Why Choose Us for Jumbo Loans?

Local Experts

Serving California’s veterans with deep knowledge of the state’s housing market.

Fast, Tech-Enabled Process

Apply, upload documents, and track your loan online.

Personalized Guidance

We’re not tied to one lender — we find the best loan for you.

Ready to Get Started with Your Jumbo Loan?

Financing a luxury property in Texas doesn’t have to be overwhelming. JL Lending Team provides tailored jumbo loan solutions with competitive rates and personalized support from application to closing.

Start today and explore financing options for your Texas jumbo home purchase.

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Harvey Becker

4 months ago

Justin was absolutely outstanding from start to finish just like he was with our last home purchase over 3 years ago. Justin clearly had a genuine interest in helping us succeed in getting the best refi loan possible on our Goleta condo so that we could fund our new manufactured home purchase in Santa Barbara! Justin worked tirelessly, stayed on top of every detail, and guided us through what could have been a very stressful process with patience, clarity, and total professionalism. It wasn't easy having to work on this over the Christmas holidays, but Justin plowed right through regardless. It was doubly difficult because he was working on our condo refi loan while we were trying to close on our purchased manufactured home. So the timing was important as we needed the funds from Justin to close escrow on time for our new SB home.
Justin was always responsive, proactive, and transparent. Whenever an issue or question came up, he addressed it immediately and made sure we fully understood our options. Thanks to his persistence and expertise, we were able to secure our mortgage and close successfully—something that would not have happened without his dedication. If you’re looking for a loan officer who works incredibly hard, communicates clearly, and has your best interests at heart, I cannot recommend Justin highly enough. He was a pleasure to work with, and we are deeply grateful for everything he did for us.

Jason Aversano

1 year ago

Justin is the most amazing, responsive, and positive guy to work with! Honestly, the best mortgage broker we have ever worked with. Highly recommend him for your needs.

Jessica Draper

2 years ago

Justin has helped us purchase multiple properties throughout the years. He does such a wonderful job simplifying and explaining all the details in a way that makes sense. Every loan process through him has been very easy. Great guy!

Rosanna

I’ve been home searching for over a year and encountered various lenders. It was a night and day experience with Justin. He took time to review numbers, was transparent, responsive and sharp. He helped us navigate various scenarios, thoughtful in his approach and got us the best rate. Would definitely work with him in the future.

andrew wedel

3 years ago

Justin is fantastic at what he does. Justin is professional and will walk you through the entire process of purchasing a home I have recommended him to others and continue to work with him.

David Downey

Justin is highly skilled and knowledgeable about not only the lending business, but about the housing market in general. He helped us secure an incredible rate, just before things went haywire a few years ago. He has continued to be a go to resource for all things evolving in the market place. His passion for helping you find the right time to strike on a loan and get you the best rate, is truly refreshing, in an industry that can feel like it's filled with sharks sometimes. Justin will fight for the best rate and provide you the most up to date advice on what's trending in the market. Don't hesitate, give Justing a call, now.

Edgardo Ramirez

There are many mortgage advisors out there, but none compare to Justin. His comprehensive knowledge in home financing and investment in real estate is simply unparalleled. Whether you're a first-time home buyer, exploring lending options, or an experienced investor, Justin is the go-to professional in this field.

G M

Justin Leach is the most competent and professional mortgage advisor I've ever worked with. He made the entire process stress-free, answered all my questions and kept me informed every step of the way. Thanks to Justin, I'm now living in my dream home! Highly recommend him!

jorge morales

Very knowledgeable and pays close attention to detail.

Austin Swank

Justin was super easy to work with. He made purchasing our first home easy!

Tracy Richardson

I've been working with Justin for years, and truly he is the best! He has closed many loans for us personally along with many transactions for our clients. Justin always figures out a way to overcome any issue, glitch or difficult loan process. He works hard to get your loan completed in a timely fashion. I have never come across a loan broker that has communicated better than Justin. He explains the process and options and he makes the whole experience go smoothly. His attention to detail is unparalleled. He is available day or night, any day or the week. Once you call Justin you won’t call anyone else! You will agree with my recommendation that Justin is experienced, knowledgeable, thorough, reliable and simply a good human.

Kendrick Guehr

Justin is an excellent lender and one you can trust. What I like most about working with Justin is that he is smart, creative, responsive, honest, knows how to set proper expectations for clients and does his best to make the grueling mortgage process fun! If Justin says he can get a loan done, he will. As a realtor myself, I have worked with many lenders and Justin is one of the best. Not only is he extremely good at his job, but he is an overall great guy and friend.

Chris Dawood

I can’t recommend Justin enough. He and his teamexceeded all my expectations. Justin's exceptional communication skills and expertise in the mortgage process made the entire experience stress-free. He went above and beyond to find the best loan for me, and his dedication and attention to detail were outstanding. I highly recommend Justin as a top choice for anyone in need of a mortgage loan officer.

Jumbo Loans in Texas

What Is a Jumbo Loan?

Who Is Eligible for a Jumbo Loan in Texas?

Benefits of a Jumbo Loan

Higher Borrowing Power

Flexible Occupancy Options

Competitive Financing Rates

Adjustable or Fixed Terms

Reduced PMI Requirements

Jumbo Refinance Programs