Big loan. Broker-sized rate.
Above the conforming loan limit, every lender writes its own rules — which means jumbo pricing varies more from lender to lender than any other product. That variance is exactly where an independent broker earns their keep: we shop your jumbo wide and hard.
Jumbo fits you if…
- The home is above the limit
Common in Alamo Heights, Stone Oak, the Hill Country, Austin metro, and much of DFW and Houston. - Your file is strong
Good credit, documented income, and reserves get rewarded in jumbo pricing. - You want options
ARM structures shine in jumbo — a 7-year fixed period at a lower rate is a popular play. - You're a veteran
With full entitlement there's no VA loan cap: a true $0-down jumbo, and almost nobody advertises it.
What jumbo underwriting looks at
- Reserves
Lenders typically want several months of payments in the bank after closing; requirements vary widely by lender. - Documentation
Full income verification; self-employed borrowers should have two years of returns ready. - Appraisal scrutiny
High-value homes sometimes need two appraisals; we manage the process so it doesn't slow you down. - Rate structure
Jumbo rates can actually beat conforming for strong files — another reason to shop it rather than take one bank's sheet.
The VA jumbo secret
Since 2020, veterans with full entitlement have no VA loan limit — meaning a $900k home can be financed with $0 down and no mortgage insurance through the VA program. Most banks either don't offer it or don't mention it. We lead with it.
FAQ
What counts as a jumbo loan?
Anything above the conforming loan limit, which federal regulators adjust every year. For 2026, the baseline limits are $832,750 for a single-family home, $1,066,250 for 2 units, $1,288,800 for 3 units, and $1,601,750 for 4 units. Some high-cost counties run higher — we confirm the limit for your county and property type when we quote.
Are jumbo rates higher than regular rates?
Not necessarily. For strong borrowers, jumbo pricing is frequently at or below conforming. It depends on the lender, which is why shopping it matters so much.
How much do I need down?
Typically 10–20% depending on the lender and loan size, with the best pricing at 20%+. VA jumbo can be $0 down with full entitlement.
Do jumbo loans take longer to close?
A little more documentation, but our process is the same: clean file first, then speed. Plan on our normal timeline plus a few days for larger or complex properties.
Price your jumbo across the whole market.
One conversation, many lenders competing. That's the entire point of us.