Jumbo Loans In Texas
Our jumbo loans are tailored to match your goals—whether that means 10% down, comparing ARM vs fixed rate options or non-QM jumbo products. We give you access to competitive pricing and programs for every borrower.
Why Texas Homebuyers Trust LendFriend With Their Jumbo Loans
At LendFriend Mortgage, we specialize in helping buyers secure jumbo loans that fit their goals—whether that’s a classic 30-year fixed or a specialty loan program like a 7/1 ARM or non-QM program for those with specific objectives. We know every lender’s playbook, so we can match you with the right solution for your property, budget, and financial profile.
Here’s why jumbo borrowers across Texas choose us:
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We know jumbo. From million-dollar luxury homes in Austin’s West Lake Hills to second properties in Galveston and investment condos in Dallas, we’ve closed jumbo loans in every major Texas market. We know which lenders move fast, price aggressively, and make approvals smooth.
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More than just 30-year fixed. Many borrowers only want a conventional 30-year fixed-rate jumbo mortgage, but others prefer alternative options that better fit their objectives, which is why we offer ARM options like the 7/1 or 5/1 that can lower your rate during the years you actually plan to own the home—perfect for buyers in fast-growing markets like Houston, Dallas and Frisco.
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Flexible qualification programs. If your income doesn’t fit into a W-2 box, we offer non-QM solutions like bank statement loans for self-employed borrowers in Dallas tech corridors and asset depletion programs that turn liquid assets into qualifying income for luxury properties in Bellaire or Highland Park.
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Custom structure for better pricing. We analyze your loan-to-value, term, and reserve options to help position your file for the most competitive jumbo rate available to your profile—whether you’re buying a Hill Country ranch or a downtown Austin penthouse.
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Fast, strategic approvals. Applying for a jumbo loan in Texas doesn’t have to be complicated. Our process is built for higher-end transactions, with tailored preapprovals and smooth closings—often in 30 days or less in competitive areas like Southlake, Tarrytown and Lakeway.
What Our Jumbo Loan Clients Say
5/5 Star Reviews on Google, Zillow, and Experience.
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LendFriend has been an outstanding lending partner, reliable, transparent, and incredibly easy to work with. Their team made the entire process smooth from start to finish, always available to answer questions and guide us through each step. I highly recommend LendFriend to anyone looking for a trustworthy and efficient lender.
Trung Nguyen
Closed July 2025 -
Wow my husband and I were truly impressed with how easy the LendFriend team made our home buying experience. Eric and his team took extra care in explaining and outlining each step -- a real customer first experience. On top of that, each member of the team was incredibly knowledgeable, organized, and responsive; resulting in an expeditious close! The website promise of working around the clock to support you is 100% factual, we had staff answering questions late night and weekends. The entire team was a real pleasure to work with, so if you are looking for a mortgage broker look no further, LendFriend is the team for you! They will give you peace of mind, get you the best rates, and make you feel confident when buying your home :)
Sarah Carr
Closed May 2025 -
I had been looking for a house for 2-3 years and while it was a journey as a business owner with a difficult financial situation this company did what 6 others could not. They got me a jumbo loan based off my business income and when I needed more they just made it happen twice. This process of funding can be extremely difficult and basically a blow to the ego but Eric and his team are literally magicians and my fiancee and I are now closed on out dream house. I recommend them whole heartedly
Shawn Tassone, MD, PhD
Closed April 2025 -
These guys are the best in the business. At the recommendation from a friend, we used LendFriend to help us purchase our home in Connecticut, and I could not be more satisfied with the level of service they provided. This was not our first home purchase, and the difference between obtaining the mortgage this time around and the last is no comparison. They helped come up with solutions to make purchasing our new home as easy as possible prior to completing the sale of our current, were available to answer all of our questions 24/7, and most importantly were able to close with an extremely quick timeline.
Russell B
Closed March 2025 -
I am so grateful for Micheal and his team at LendFriend. As a first time homebuyer with multiple businesses, I was very nervous about the loan process. Anyone who’s self employed knows loan processes for us are more extensive but LendFriend made it an ease. From getting a great rate to closing, they made clear communication and were extremely helpful in making sure I had everything I needed to ensure we got the final approval well in advance of closing date. They are truly amazing people to have on your team. Thank you Micheal, Morgan and Crystal for your encouraging words and optimism throughout this process.
Annie Momin
Closed September 2024
Jumbo Loan Solutions For Every Borrower!
With access to hundreds of investors, we can structure jumbo financing for almost any borrower. That means smoother approvals—even for those who traditionally have a harder time getting a loan.
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Asset Depletion for HNW Individuals
Leverage your assets to qualify for your dream home with an asset depletion jumbo mortgage. Use your bank accounts, investment portfolios, and retirement funds as income. Perfect for luxury homes and higher loan amounts without relying on traditional income.
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Self Employed Mortgages For Entrepreneurs and 1099 earners
Get approved for a jumbo loan using just your bank statements—no W-2s or tax returns required. We make it easy with self employed mortgage options that don’t require tax returns or W2s—no red tape, just real solutions.
Crypto-Backed Mortgages for Bitcoin and Ethereum Investors
Buy a home with Bitcoin or Ethereum without selling your holdings or triggering capital gains taxes. Our crypto-backed jumbo loan programs let you qualify with no traditional income documentation.
Straightforward Qualification That Works for You
Transparent income, credit, and DTI guidelines
Flexible solutions for self-employed professionals and investors
Ready When You Are – Let's Get Started
Apply online in minutes or speak to a local expert today
FAQs – What You Need to Know Before You Choose a Jumbo Mortgage Lender
What loan amount qualifies as a jumbo loan in Texas?
In Texas, any mortgage amount above $806,500 is considered a jumbo loan. While loan limits vary by state and county across the U.S., Texas has a single statewide limit.
How much can I borrow with a jumbo loan?
With the right qualifications, jumbo loan amounts in Texas can go as high as $5 million. Keep in mind that the higher the loan amount, the stricter the lender will be with debt-to-income ratio, loan-to-value requirements, credit score, and reserve funds. Stronger profiles—such as high credit, low LTV, and substantial assets—unlock the most flexibility and best pricing.
Do jumbo loans require perfect credit?
Not necessarily. While a score of 700 or higher often gets the best pricing, we have options for borrowers with slightly lower scores who have strong compensating factors like higher down payments or large reserves. At LendFriend, we’ll work with you to put you in the best possible position for success and to secure the most competitive rate—teaching you how to improve your score if needed before you apply.
Can I get a jumbo loan if I’m self-employed or have complex income?
Yes. We offer bank statement programs, asset depletion loans, and RSU income qualification to help self-employed and high-asset borrowers qualify without traditional W-2s or tax returns.
What property types are eligible for jumbo financing?
We finance single-family homes, townhomes, certain condos, second homes, and 1–4 unit investment properties—subject to lender guidelines. All can be closed quickly with our streamlined process, and we shop multiple lenders to ensure you get competitive jumbo rates for your property type.
How do jumbo loan interest rates compare to conventional rates?
They can be higher, lower, or similar depending on the market and lender appetite. Typically, jumbo loans are slightly higher than a conventional loan rate using the same qualification criteria for each program. We compare multiple jumbo mortgage lenders in Texas to find the most competitive fit for your profile.
WHY CHOOSE LENDFRIEND?
At LendFriend Mortgage, jumbo loans aren’t just one of the programs we offer—they’re a core specialty. We match borrowers with the right jumbo lender for their property, financial profile, and goals, with no hidden fees and a process built for speed. Whether you want a fixed 30-year, a 7/1 ARM, or a flexible non-QM option, we make it simple to get approved and close quickly.
Around the Clock
We’re available 7 days a week to help you compare jumbo mortgage rates, review lender options, and move forward with confidence—whether you’re buying a primary home, second home, or investment property.
Loan Options
We offer a full range of jumbo financing solutions, from conventional fixed rates to ARMs, bank statement loans, and asset depletion programs—so you get the right fit for your goals.
Get Pre-Approved Quickly
Our jumbo preapproval process strengthens your offer and gives sellers confidence in your ability to close on higher-priced properties. You can apply for a jumbo loan online in minutes, making it faster and easier to get started.
Competitive Rates with No Points
We shop multiple jumbo lenders to find the most competitive rates for your profile—without unnecessary points or hidden charges.
Personalized Mortgage Guidance
You’ll work one-on-one with a jumbo mortgage expert who will explain your options, help you structure your file for approval, and guide you through underwriting with clarity.
Close in less than 30 days
Our process is designed for larger transactions, so most jumbo loans close in 30 days or less—even in competitive markets like Austin, Dallas, and Houston.