A jumbo mortgage is a home loan for an amount that exceeds conforming loan limits established by the federal housing finance agency. The conventional loan limit is $806,500 in Texas.

• Borrowers can now put as little as 5% down up to a $1,150,000 sales price.
• Borrowers can now put as little as 10% down up to a $2,200,000 sales price.
• 20% down up to $3,000,000.
• Other products available on a case by case basis.
• Minimum credit scores of 620 are eligible on some jumbo products.

We specialize in jumbo mortgages in Texas (meaning loan amounts over $715,000). Most conventional lenders require a 20% down payment on these loans. We will work with your situation so you can keep more money in your pocket (for example, with smaller down payments as low as 5%).

These programs are available in all of Texas.

Yes! We lend on jumbo mortgages for self-employed borrowers. This includes, for example, business owners, doctors, attorneys, and dentists. Must be in business for at least one year. Your monthly income is calculated based on your monthly bank deposits, not your taxes. Refinance options are available too!

We now have jumbo mortgage options for buyers with credit scores down to 620! The lower your credit score, the more you will need to put down. Refinance cash options are also available for scores down to 620.

Yes! We now have no documentation investment jumbo cash-out options up to 75% LTV. This means the underwriting approval is based on the property and not your income. No tax returns are needed.