Jumbo Loans in Texas
When the home you want costs more than a standard loan allows, the file just needs a different structure. We build jumbo financing for Texas buyers with the same clear numbers as every other loan we do.
What Makes a Loan "Jumbo"
Fannie Mae and Freddie Mac only purchase loans up to the conforming limit, so anything above it is funded outside that system — which means lender-set guidelines rather than one national rulebook. That's not a bad thing: it gives an experienced lender room to structure the loan around your actual finances.
In markets like Frisco, Southlake, Prosper, and the Park Cities, plenty of ordinary family homes now cross that line. A jumbo loan isn't exotic — it's just the right tool above a certain price point. Below the line, a conventional loan usually wins on simplicity.
How Jumbo Files Are Qualified
Credit Depth
Jumbo guidelines generally reward a longer, cleaner credit history than conforming loans require. We'll tell you where your profile stands before you commit to anything.
Reserves
Lenders typically want to see savings left over after closing — months of payments in the bank. How many depends on the loan size and structure.
Documented Income
Full documentation is the norm. Self-employed with complex returns? That's routine for us — and bank-statement options exist when tax returns don't tell the real story.
This page is general educational information and is not a commitment to lend or an offer of credit. All loans subject to credit approval, underwriting, and property qualification. Equal Housing Opportunity.
Run It Yourself First
Jumbo Loan FAQ
Where does jumbo start in Texas in 2026?
Above $832,750 for a one-unit home — every Texas county uses the FHFA baseline limit; there are no high-cost-area exceptions here. Multi-unit properties have higher limits.
Is it harder to qualify for a jumbo loan?
The guidelines are more thorough — deeper credit review, reserve requirements, full documentation — but a well-prepared file moves smoothly. We tell you exactly what yours needs up front.
Can I refinance an existing jumbo loan?
Yes — rate-and-term and cash-out structures both exist above the conforming limit. See our refinance overview for how we approach it.
What if my loan amount is just barely above the limit?
Sometimes a slightly larger down payment brings the loan under the conforming line and simplifies everything. We'll run both versions so you can compare — that analysis is free.
Let's Structure It Right
Tell us the price point and what your finances look like — we'll show you exactly how the file comes together, jumbo or not.
