The 2022 conforming loan limit for all counties in Texas is current set at $647,200. This mean that the jumbo loan value threshold for Texas is anything above $647,200. Borrowers with sufficient income can qualify for jumbo mortgage financing that exceeds their county’s loan limits.  Our jumbo loans are mortgages used to finance  properties that are too expensive for a conventional conforming loans. The maximum amount for a conforming loan is $647,200 in most counties, as determined by the Federal Housing Finance Agency (FHFA). Homes that exceed the local conforming loan limit require a jumbo loan.

Please visit with your loan officer about 2022 loan limit in Texas.  Jumbo loans have stricter qualification rules. Non-Conforming Mortgages also referred to as Jumbo Mortgages are unique in that they are not securitized with either Fannie Mae, Freddie Mac or FHA. These mortgage loans are backed by private investors. This means that there is no guarantee provided to the investor so consequently the mortgages guide lines are not standardized and generally subjected to the investor guidelines and requirements. The upside of Jumbo loans is that the rates are currently at historic lows, and interest on loans up to $1,000,000 are tax deductible. Find out how low jumbo mortgage rates are today and lock it in today!