top of page


Jumbo mortgage loans are loans that do not fit in the Fannie Mae and Freddie Mac guidelines because of the amount financed for a single-family Texas home exceeds the regulated loan limit of $453,100.  This means that it will not be purchased or guaranteed by Fannie Mae or Freddie Mac.

Jumbo mortgages loans are available for a primary residence, second or vacation home, or an investment property.  They can have fixed-rate or adjustable-rate terms, and typically require a lower Loan-to-Value (LTV) ratio. Borrowers need to have a good credit history with 680 FICO scores, but can see exclusive low rates for 700+ FICO scores.  Because a larger amount of money is being financed, a jumbo mortgage loan is subject to a more rigorous underwriting process.

bottom of page