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Jumbo Mortgage Loan

Jumbo Mortgage Loan

Everything is bigger in Texas, including some homes! Whether you're buying a home in a high-cost area or refinancing your existing jumbo loan, our Home Loan Heroes expertise is bigger, better, and ready to pave the way to your dream home!

The Home Loan that Lets You Dream Big:

  • Low, fixed rates for affordable payments and no surprises later
  • Loans up to $2.5 million
  • Down payment as low as 10% for loans up to $1 million
  • Terms of 15 or 30 years
  • 30-day rate locks

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Jumbo Mortgage Loans

Type and Term Rate1 APR2 Lender Fee
15-year Jumbo 3.750% 3.894% 0.50%
30-year Jumbo 5.375% 5.463% 0.50%

1 Rates listed for Jumbo Mortgages are based on a credit score of 740+, a minimum loan amount of $600,000 with a loan-to-value of no more than 80% and are for an owner-occupied, single-family residence. No cashout, qualifying debt ratios, credit, and a 30-day lock.

2 APR = Annual Percentage Rate








Frequently Asked Questions:


A mortgage is classified as a Jumbo or non-conforming loan when it exceeds the maximum conventional loan (conforming limits). Currently, the Texas limit is $548,250.

Loan amounts up to $2.5 million:

  • Minimum 720 credit score
  • Maximum loan-to-value ratios up to 80%, maximum 43% debt-to-income ratio

Loan amounts up to $2 million:

  • Minimum 700 credit score
  • Maximum loan-to-value ratios up to 80%, maximum 43% debt-to-income ratio

Loan amounts up to $1.5 million:

  • Minimum 680 credit score
  • Maximum loan-to-value ratios up to 80%, maximum 43% debt-to-income ratio

Loan amounts up to $1 million:

  • Minimum 740 credit score

Maximum loan-to-value ratios up to 90%, maximum 38% debt-to-income ratio

Yes, you can use a Jumbo loan for a 1- to 4-unit primary residence and a single-unit second home. Our Home Loan Heroes can provide more details for your specific purchase.










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