Jumbo Mortgage Loan
Whether you're buying a home in a high-cost area or refinancing your existing jumbo loan, our Home Loan Heroes are ready to pave the way.
The Home Loan that Lets You Dream Big:
- Fixed and variable rates available
- Loans up to $4 million
- Down payment as low as 5% for loans up to $850,000
- Terms of 15, 20, or 30 years
- 30-day rate locks
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Jumbo Mortgage Loans
| Type and Term | Rate1 | APR2 | Points |
Lender Fee |
|---|---|---|---|---|
| 15-year Jumbo | 5.625% | 7.496% | 0% | 0.00% |
| 30-year Jumbo | 6.500% | 7.094% | 0% |
0.00% |
1 Rates listed for Jumbo Mortgages are based on a credit score of 780+, a minimum loan amount of $810,000 with a loan-to-value of no more than 70% 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. Rates effective 4/28/2025.
Frequently Asked Questions:
What qualifies as a Jumbo Loan?
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 $766,550.
What are the requirements for Jumbo Loans?
-
Minimum 700 credit score
-
Loan-to-value ratios from 55% to 95%
- Maximum loan amounts range based on loan-to-value ratios and credit score, not to exceed $4,000,000
Can I use a Jumbo Loan for investment property or a non-primary residence?
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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