Jumbo Loans
Financing above conventional loan limits for higher-value home purchases, with underwriting built around larger loan amounts.
- Finance above the conforming loan limit for your county
- Down payments typically start around 10–20% depending on loan size and credit
- Fixed and adjustable-rate terms available
- Available on primary residences, second homes, and investment property
- Reserve requirements apply — lenders want to see post-closing liquidity
Ask About Jumbo
Jumbo loans exist because home prices in parts of Houston routinely exceed the conforming loan limit. The financing works similarly to a conventional loan, but underwriting leans harder on credit depth, reserves, and documented income since these loans aren’t eligible for Fannie Mae or Freddie Mac backing.
Who This Is For
- Buyers purchasing above the conforming loan limit for their county
- Borrowers with strong credit and documented income who need a larger loan amount
- Buyers of second homes or investment property above conventional limits
Jumbo FAQs
What loan amount counts as "jumbo"?
Any loan above the conforming loan limit set annually for your county — that threshold varies by area, and we'll confirm the current limit for your property location.
What credit score do I need?
Jumbo underwriting is stricter than conventional; most programs want 700+ and a clean credit history.
Do jumbo loans require more cash reserves?
Yes, most jumbo programs require several months of mortgage payments in reserve after closing, on top of the down payment and closing costs.
Related Resources
Ready to Talk Through Jumbo?
Tell us about your situation and we'll tell you honestly what it will take to qualify.
