Jumbo Loans in Texas: Finance Your Dream Home
Texas Jumbo Home Loan Specialist
Lone Star Financing offers a competitive non-QM Jumbo program designed to help high-balance borrowers who don’t quite fit traditional jumbo guidelines.
- Jumbo Loans up to $3,000,000
- Competitive rates for high-value properties
- Flexible qualification guidelines
- Purchase or Cash Out Refinance
- Non QM Jumbo Loans
| Things to Know about Jumbo Home Loans in Texas
Maximum debt-to-income (DTI) ratio up to 45% for jumbo borrowers in Texas
Six months of reserves typically required after closing
Conforming and some government loans may require fewer or no reserves
Stricter qualification standards, including higher credit scores and cash reserves
Not backed by Fannie Mae or Freddie Mac
Jumbo Financing 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
High-Value Jumbo Home Loans in Texas
Lone Star Financing specializes in high-value jumbo loans for qualified buyers. Our team brings deep expertise in jumbo financing and a clear understanding of the unique requirements these loans demand.
We deliver a streamlined, personalized mortgage experience focused on efficiency, transparency, and your financial goals. From guidance through closing, we help you secure the right financing with confidence and ease.
Close on Time
Our goal is to close every loan in 21 days or less. Streamlined processing and closing for fast approvals.
Low Rates & Fees
Jumbo Mortgage Broker with Low Rates.
Customer Service
Local customer service—we will be with you at every step from application to closing.
| Guide to Jumbo Financing
A jumbo loan in Texas is any mortgage that exceeds the current conforming loan limit set by Fannie Mae and Freddie Mac. These loans are designed for higher-priced homes and require more comprehensive underwriting standards.
As a mortgage broker, Lone Star Financing, has 20+ jumbo lenders to shop your loan to ensure the lowest rate and most flexible guidelines. Most of our lenders providing loan options in Texas require a minimum credit score of 680–700, though stronger pricing and lower down payment options are typically available for borrowers with 720+ scores.
Down payments for jumbo loans in Texas generally start at 10–20%, depending on loan size, credit profile, and property type. Larger loan amounts or unique scenarios may require additional equity.
Yes. Texas homeowners can use jumbo financing for rate-and-term refinances or cash-out refinances (subject to Texas cash-out rules). Jumbo refinancing can help restructure high-balance loans or access equity in luxury properties.
Glen Dicken
Sr. Loan Officer
NMLS #313548
Chris Lederer
Production Manager
NMLS #2004549
Jen Papaelias
Sr. Loan Officer
NMLS #2692859
Brett Dempsey
Branch Manager
NMLS #2014728
Allen Lundberg
Sr. Loan Officer
NMLS #277507
Lone Star Financing is a trusted Texas mortgage broker known for competitive rates, personalized service, and a streamlined loan process. Our experienced team specializes in high-value jumbo loans and delivers a streamlined, customized mortgage experience designed to support your financial goals from application through closing.
As a preferred mortgage broker in Texas, we offer financing up to $3,000,000 for qualified buyers.
Work with a licensed Texas Mortgage Broker backed by experienced loan officers who understand jumbo underwriting, high-balance financing, and Texas Jumbo lending requirements.