Quick highlights
- Loan amounts above conforming limits
- Competitive rates for strong borrowers
- Up to 90% LTV available
- Fixed and adjustable-rate options
- Primary, second home, and investment
- Higher reserves typically required
What counts as 'jumbo'?
Any loan above the conforming limit set by the Federal Housing Finance Agency. For 2026, that's generally around $806,500 for single-family homes in most Texas counties — higher in high-cost areas. Loans above that threshold are jumbo.
How do jumbo qualifications differ?
Expect stricter underwriting: credit scores typically 700+, debt-to-income ratios under 43%, and 6-12 months of reserves (cash that could cover your mortgage if needed). Down payments range from 10-20% depending on the loan amount and lender.
Are jumbo rates higher?
Historically yes, but the gap has narrowed significantly. For strong borrowers (high credit, ample reserves, low DTI), jumbo rates can actually be competitive with or beat conforming rates. We shop multiple jumbo investors to find the best fit.
Ready to see what you qualify for?
Every situation is different. Let's talk through your specific scenario and shop it across our lender network for the best terms.