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Jumbo Mortgage Loan

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.

Apply for a Jumbo Loan

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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 Mortgage Loan Calculator

Jumbo Mortgage Loans

Type and Term Rate1 APR2 Points
Lender Fee
15-year Jumbo 7.125% 8.845%  0% 0.50%
30-year Jumbo 7.125% 7.676%  0%

1 Rates listed for Jumbo Mortgages are based on a credit score of 740+, a minimum loan amount of $766,551 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 7/15/2024.

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 $766,550.

  • 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

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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