Financing for higher-priced homes.

When your loan amount exceeds conforming limits, you need jumbo financing. I work with jumbo programs that fit strong borrowers buying premium homes across Texas and Louisiana.

Discuss Jumbo Options

When you need a jumbo loan

Conforming loans have a maximum loan amount set each year by the Federal Housing Finance Agency. If the home you want requires financing above that limit — common in higher-end neighborhoods — a jumbo loan is the path forward.

Jumbo loans are available for primary residences, second homes, and investment properties depending on the program.

Typical jumbo borrower profile

Strong credit history (often 700+)
Stable, documentable income
Cash reserves after closing
Down payment of 10–20% (varies by program)
Low debt-to-income ratio

Jumbo loan features

Fixed & adjustable rates

30-year fixed, 15-year fixed, and ARM options depending on your goals.

Loan amounts above conforming limits

Financing tailored to homes and loan sizes that exceed standard caps.

Personalized underwriting

Jumbo files are reviewed in detail — I help you present your financial picture clearly.

Jumbo loan FAQ

What is a jumbo loan?

A jumbo loan is a mortgage that exceeds the conforming loan limits set by the FHFA. When a purchase price or loan amount is above that limit, you need a jumbo (non-conforming) loan rather than a standard conventional mortgage.

What is the conforming loan limit in Texas and Louisiana?

Conforming limits are set annually and vary by county. In most Texas and Louisiana counties, the 2024 limit is $766,550 for a single-family home. High-cost areas may have higher limits. Anything above your county limit typically requires jumbo financing.

How much down payment do jumbo loans require?

Down payment requirements vary by lender and borrower profile. Many jumbo programs start around 10–20% down, though some options may be available with less depending on credit, reserves, and loan amount.

Are jumbo rates higher than conventional?

Jumbo rates are often competitive with conventional rates for well-qualified borrowers, but pricing depends on credit score, down payment, loan amount, and reserves. I will shop multiple options to find the best fit.

What do lenders look for on jumbo loans?

Strong credit (often 700+), documented income, cash reserves after closing, and a manageable debt-to-income ratio. Jumbo underwriting is typically more detailed than standard conventional loans.

Buying above the conforming limit?

Let's review your scenario and find the right jumbo program.

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