Jumbo Home Loans in Texas

LONE STAR FINANCING

TEXAS JUMBO
MORTGAGES

Big Dreams, Bigger Homes in Texas

Jumbo Loans - Financing Dream Homes in Texas

Are you in the market for a larger, more luxurious home in Texas? At Lone Star Financing, we offer private investor financing with highly competitive rates on jumbo loans, available for amounts up to $3,000,000. Let us help you secure the financing you need for your dream home with ease and confidence.

Credit score requirements – no lower than 680 with 80% LTV. If you are going to qualify for a Texas jumbo mortgage, you will need to document income and assets in order to get approval.

Texas Jumbo Mortgages

Competitive rates for high-value properties
Flexible qualification guidelines for larger loan amounts
Purchase or Cash Out Refinance
Non QM Jumbo Loans

Non QM Jumbo Loans in Texas

Lone Star Financing has a non-QM Jumbo private investor program that enables us to help more Jumbo borrowers. This mortgage program is a competitively priced product for borrowers who just miss qualifying under Prime Jumbo guidelines.

Our Jumbo Loan Guidelines

80% LTV with 680 FICO (90% LTV with 720 FICO)
Owner Occupied, Second Home and Investment
Subject to Investor Requirements
Fixed Rate and Adjustable Rate Options

Texas Trusted Lender

Close on Time

Our goal is to close every loan in 28 days or less. In-house underwriting, processing, and closing for fast approvals.

Low Rates & Fees

Jumbo Mortgage Lender with Low Rates. FHA, VA, and USDA Approved Lender.

Customer Service

Texas Jumbo lender - we will be with you at every step from application to closing.

TEXAS JUMBO MORTGAGE EXPERTS

Lone Star Financing is a preferred Jumbo lender in Texas; with our expertise in high-value home loans, we ensure a smooth, tailored mortgage experience, helping you secure the financing you need for your dream home efficiently and stress free.

More About Our Texas Jumbo Loans

In Texas, the maximum debt-to-income (DTI) ratio for jumbo loan borrowers is 45%. The required reserve amount for jumbo borrowers is generally at least six months in reserves after closing; conforming and some government loan types may require only one or two months—and in some cases require no reserves. In Texas, the 2024 jumbo loan limit is set at $766,550. This means any loan amount above this threshold is considered a jumbo loan, which is necessary for financing higher-value properties. Jumbo loans generally come with stricter qualification requirements, such as higher credit scores and more cash reserves, and they are not backed by Fannie Mae or Freddie Mac. Lone Star Financing has private investors that can providefinancing up to $3,000,000.

Why Lone Star Financing? It's our People!

"Best Jumbo Mortgages in Texas", see what our customers are saying...

Read Our Reviews...

Brenda was quick to respond to questions I had and made herself available to me. She was very patient and understanding when having to resolve issues regarding my ex. The entire team, in fact, was great and a true godsend!

As a realtor here in Austin, TX, I’ve been working with Lone Star Financing for almost a decade. The loan officers at Lone Star financing are without a doubt the best communicators in the business. They provide timely updates to me and my buyers from the start of the loan to close of sale and I can't tell you how important that is during a real estate transaction. I recommend all of my clients use Lone Star financing because unlike a lot of mortgage companies they can close loans on time. During one of the most critical times of my customers lives, it's imperative that all links of the chain are strong. Having the right lender in place is key. Thanks Lone Star!

I was thoroughly impressed with the customer service from start to finish. I had a lot of questions and they were all answered. I recommend lone star to first time home buyers as well as those who have note done it before.

Making me feel comfortable through the entire process as I was a bit nervous but Keith’s ways with his words and staying professional never made me feel overwhelmed, as well as the staff members that also helped me. The whole process was a smooth ride with no bumps and that was a great feeling making this single mother very happy with the outcome!!! Thanks!!!

I have gone through the home financing five times, and this is my second re-finance. The team at Lone Star Financing was the best experience I've ever had going through the mortgage process. The previous finance company I used to purchase my home was the worst experience I'd ever had in getting a mortgage. I was extremely hesitant to go through the re-finance process, but with the interest rates being so low I knew I would be saving a lot of money. I did the research to find a highly reviewed local financing company, and Lone Star Financing was the best. They did an outstanding job helping me through the process, made it incredibly easy and quick. More...

Thanks for helping us through the loan refinance process. P.S. The only reason we can't refer family and friends is we don't live in Texas or have any contacts there!

Lone Star Financing has earned a reputation as a preferred Jumbo lender in Texas by consistently delivering competitive rates, personalized service, and the advantage of in-house underwriting. Our team specializes in high-value home loans, bringing years of expertise and a deep understanding of the unique needs of borrowers in the Jumbo loan market. We are dedicated to offering a seamless, customized mortgage experience that is designed to meet your specific financial goals. By partnering with us, you can feel confident that we will guide you through every step of the process efficiently, ensuring you secure the financing necessary to make your dream home a reality. Our commitment to excellence and client-focused approach ensures that you’ll receive the attention and support you deserve, from the initial application to closing. We are a preferred Jumbo lender in Texas and an approved FHA and VA lender. Call today to speak with a Texas Jumbo mortgage expert to see if a Jumbo loan is right for you: (855) 314-8080

Jumbo Home Loans in Texas

TEXAS JUMBO
MORTGAGES