El Paso Jumbo Home Loans
Jumbo Loans from $417,000 to $1,000,000

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El Paso Jumbo Home Loans

A jumbo, or non-conforming loan is a high-dollar mortgage loan that exceeds the maximum that can be guaranteed by the government through one of its mortgage backing agencies, Freddie Mac and Fannie Mae. The maximum conforming amount backed by these agencies in Texas is $417,000, so El Paso jumbo loans are usually used to purchase large single-family homes, but can also be used for multi-unit properties. Instead of the government, non-conforming loans are backed by private investors. Because the risk is higher with these loans, the rates can be higher and the requirements for approval more strict. The guidelines can also vary from lender to lender. Turn to a partner who knows the luxury home buying process. Lone Star Financing works with jumbo loan companies in El Paso, Texas to find the right loan for you with the best rates and fastest approval times.

About Jumbo Loans

  • Over $417,000 Loan Value
  • Up to $1,000,000
  • 80% LTV
  • Subject to Investor Requirements
  • Fixed Rate & Adjustable Rate Options
  • Local El Paso Customer Service

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More About El Paso Jumbo Mortgages

A jumbo loan is defined as a loan whose loan amount exceeds the Fannie Mae conforming loan limit.Jumbo borrowers may decide to refinance their homes in order to lower their monthly mortgage payments. This can be done, in some cases, by applying for a jumbo adjustable rate mortgage, or ARM. An ARM, including jumbo, or non-conforming ARMs, have mortgage rates that fluctuate throughout the term of the loan, but often come with a low introductory fixed rate. With the high dollar amounts involved in jumbo loans, a seemingly small decrease in rate can lower monthly payments significantly. There are risks involved in refinancing with an ARM, because the interest rate can go up after the introductory rate, causing an increase in monthly payments. Lone Star Financing can help you decide if a jumbo loan is right for you. Call us today for more informtion or apply online today!

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