Texas Jumbo Home Loans
Competitive jumbo financing for luxury homes, higher loan amounts, and premium properties in Texas
Jumbo Financing for Luxury Texas Properties
Buying a luxury home often requires financing beyond conventional loan limits. As a Texas mortgage broker, Lone Star Financing compares 30+ lenders to help you secure jumbo financing up to $3 million with competitive wholesale rates and flexible loan options.
Whether you’re purchasing a primary residence, second home, or refinancing a high-value property, our jumbo loan specialists help you compare options and choose the financing that best fits your goals.
Texas Jumbo Loan Specialists
Whether you’re purchasing or refinancing, we offer traditional and non-QM jumbo financing with flexible guidelines and loan amounts up to $3 million.
- Loan Amounts Up to $3 Million
- Low Wholesale Jumbo Rates
- Flexible Qualification Options
- Purchase & Refinance Programs
- Traditional & Non-QM Jumbo Loans
Your Trusted Lender for Jumbo Loans in Texas
Financing a luxury home requires the right lending partner. Lone Star Financing compares 30+ wholesale lenders to help qualified buyers secure competitive jumbo loan options with personalized guidance from application to closing.
Whether you’re purchasing a luxury home or refinancing a high-value property, our experienced jumbo loan specialists make the process simple, efficient, and tailored to your financial goals.
Fast Closings
We work efficiently with our lending partners to help keep your jumbo loan on track and close on time.
Wholesale Lending Partners
Compare multiple wholesale lenders for competitive rates, flexible guidelines, and more financing options.
Dedicated Jumbo Specialists
Work directly with experienced loan advisors who guide you through every step from application to closing.
Flexible Jumbo Loans for Texas Luxury Homes
Lone Star Financing is a preferred Texas jumbo mortgage lender for high-value homes with loan amounts available up to $3,000,000.
80% LTV with 680 FICO
Qualified borrowers may access jumbo financing up to 80% LTV with a 680 FICO, or up to 90% LTV with a 720 FICO.
Multiple Property Types
Available for owner-occupied homes, second homes, and investment properties throughout Texas.
Fixed & Adjustable Rates
Choose from fixed-rate and adjustable-rate jumbo mortgage options based on your financial goals.
| 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
Better Rates. More Options. Faster Closings.
TEXAS JUMBO LOANS
Common Questions, Answered
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.
Trusted by Texas Homebuyers
Real feedback from Lone Star Financing clients across Texas.
4.6 out of 5
★★★★★
Based on 70 Google reviews
Sharon Darby
Outstanding experience with Lone Star Financing, thanks entirely to Brett. He did a phenomenal job from start to finish. His knowledge, creativity, and experience made all the difference when challenges arose.
Michael Underwood
As a realtor in Austin, I’ve worked with Lone Star Financing for nearly a decade. Their loan officers are among the best communicators in the business and consistently provide timely updates throughout the process.
Joshua Hayden
Great experience working with Lone Star Financing. The team was knowledgeable, responsive, and made the entire process smooth from start to finish. Highly recommend for anyone looking for jumbo financing in Texas.
More Home Loan Options
Texas Jumbo Lending Experts
Lone Star Financing is a trusted mortgage lender known for competitive rates, personalized service, and a streamlined loan process for Jumbo loans in Texas. 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 Texas Jumbo Mortgage Lender backed by experienced loan officers who understand jumbo underwriting, high-balance financing, and Texas Jumbo lending requirements.