- Loan size
- Above $832,750
- Down payment
- Typically 10% to 20%
- Credit score
- Usually 700 or higher
- Reserves
- Several months of payments in the bank
What it is
A jumbo loan is any mortgage above the conforming loan limit, which is $832,750 for a single-family home in Texas in 2026. These loans are not sold to Fannie Mae or Freddie Mac, so every lender writes its own rules.
How it works with a broker
Because each lender sets its own jumbo guidelines, rates and requirements vary more here than in any other category. One lender may want 20% down and twelve months of reserves while another accepts 10% and six.
I match your profile to the lenders whose jumbo programs favor it, then compare their pricing.
Common questions
Are jumbo rates higher?
Not always. Depending on the market, jumbo rates can be the same as or lower than conforming rates for well-qualified borrowers.
Can I avoid a jumbo loan?
Sometimes. A larger down payment or a first and second mortgage combination can keep the first loan under the limit. I will show you whether that saves money.
Figures shown are typical guidelines and can vary by lender, credit profile and property. They are not an offer or commitment to lend.
Find out what you qualify for.
Answer a few questions and I will come back with real options, usually the same day. It takes about two minutes and does not affect your credit.