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Jumbo & Non-QM Loans in Houston
As a mortgage broker serving Houston, including Hedwig, Bunker Hill, Piney Point, and Hunters Creek, we deliver competitive jumbo mortgage rates and flexible programs designed for luxury properties. Whether you’re financing a multi-million-dollar estate or a second home, we structure loans around your goals with speed, precision, and transparency.
Why Homebuyers Trust LendFriend With Their Jumbo Loans in Houston
At LendFriend Mortgage, we specialize in helping Houston-area buyers secure jumbo financing that fits their goals—whether that’s a traditional 30-year fixed mortgage, a lower-rate ARM, or a Non-QM solution for self-employed professionals, retirees, and investors. With access to top lenders, we deliver jumbo programs tailored for estate homes along Memorial Drive, gated properties in Bunker Hill, and modern builds in Piney Point.
Here’s why jumbo borrowers in the Memorial Villages choose us:
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We know jumbo. From Piney Point estates to new construction in Hunters Creek and ranch-style properties in Bunker Hill, we’ve financed Houston’s most prestigious homes. We know which lenders move fast and price aggressively.
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More than just 30-year fixed. Many buyers prefer a conventional jumbo mortgage, but others choose ARMs like 7/1 or 10/1 to maximize savings if they plan to refinance or relocate.
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Flexible qualification programs. We offer jumbo bank-statement loans , asset depletion loan programs and RSU-based mortgages—ideal for self-employed professionals, consultants, and high-net-worth individuals across Houston.
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Crypto-backed jumbo mortgages. For investors holding Bitcoin or Ethereum, our crypto-backed mortgage program allows you to qualify without liquidating digital assets or triggering capital gains taxes.
- RSU-based jumbo mortgages. We can use RSUs from public companies and, on a case-by-case basis, private pre-IPO companies to help qualified Houston buyers strengthen their jumbo approval.
- Low down payment jumbo loan options. Texas Residents can qualify for up to 90% financing for jumbo loans in Texas —allowing as little as 10% down up to $2.5M loan amount and as little as 5% on an exception basis through a strategic first and second lien approach on Texas primary residences that preserves liquidity while maintaining competitive primary pricing.
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Fast approvals and closings. Our jumbo process is built for high-end transactions, with tailored preapprovals and efficient underwriting that can help qualified Houston buyers close in as little as 14 days.
What Our Jumbo and Self Employed Borrowers Say About LendFriend
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 -
LendFriend made my homebuying experience so easy. As a business owner, I heard horror stories about how hard it can be for guys like me to get a mortgage. Thankfully I found LendFriend. Eric and the team had me approved in no time. My rate was great and they closed on time. Couldn’t ask for more
David Marino
Closed August 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 -
Super impressed with how fast and smooth the whole process was — especially given my complex RSU comp structure that traditional banks kept discounting.
Eric and the team had no problem including my full base + RSU compensation. They were extremely fast, set clear expectations from the start, and followed through on everything they promised. Honestly one of the easiest and most stress-free mortgage experiences I’ve ever had. Highly recommend!Krishan Paramesvaran
Closed May 2026
Loan Programs To Suit Every Houston Borrower's Needs!
With hundreds of mortgage investors in our network, LendFriend offers jumbo loan options designed for real-world borrowers. Bank statement loans, asset depletion, crypto mortgages, and doctor loans can all help qualified buyers finance higher-priced homes with more flexibility.
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Asset Depletion Mortgages in Houston
Leverage your assets to qualify for your dream home with an asset depletion mortgage. Use your bank accounts, investment portfolios, and retirement funds as income. Our asset-based lending solutions are ideal for high net worth individuals with non-traditional income.
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Jumbo Bank Statement Loans in Houston
Getting a mortgage for self employed income shouldn't be so hard. 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 in Houston
Buy a house with bitcoin without selling a token using crypto-backed mortgages! No income needed. Qualify to buy your dream home using just your Bitcoin and Ethereum holdings
RSU Mortgages For Tech Employees in Houston
Leverage your Restricted Stock Units to qualify for a mortgage without waiting or cashing out shares. Our RSU mortgage program recognizes vested stock grants as income, giving tech employees and equity-compensated professionals a faster path to homeownership.
Professional Mortgages in Houston for Doctors, Lawyers and CPAs
Physicians, dentists, lawyers, accountants, university faculty, and other licensed professionals across Houston, including the Texas Medical Center, Rice Village and Bellaire, may qualify for tailored mortgage financing with competitive terms designed around stable, high-income career paths, including options with reduced down payment requirements.
Buy Before You Sell in Houston
Move into your new home before selling your current one with our Buy Before You Sell program. Unlock your equity upfront, avoid contingent offers, and buy with confidence—without the stress of timing two closings.
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VA Jumbo Loans in Houston
Eligible veterans and active-duty service members buying higher-priced homes may be able to use a VA loan above the conventional limits with $0 down, no monthly PMI, and competitive rates.
Houston Jumbo Mortgage Qualification Made Clear
Qualifying for a jumbo mortgage in Houston can involve different income, credit, reserve, and down payment requirements than a conforming loan. LendFriend Mortgage helps Houston homebuyers understand their options early, so they can move forward with a stronger financing plan.
- Clear jumbo loan requirements. We explain credit, income, debt-to-income ratio, reserve, and down payment guidelines upfront so you know what lenders will review.
- Flexible jumbo Non-QM options. Self-employed borrowers, business owners, investors, retirees, and high-net-worth buyers may be able to qualify with bank statements, asset depletion, or other alternative documentation.
- Low down payment jumbo loans. Qualified Houston buyers may have jumbo financing options with as little as 5% to 10% down, helping preserve more liquidity for other financial priorities.
Get a Jumbo Mortgage in Houston
LendFriend Mortgage provides jumbo loans and jumbo Non-QM mortgages throughout Houston, including financing for luxury homes in Memorial, River Oaks, Tanglewood, West University, Bellaire, the Memorial Villages, and surrounding communities.
We offer 30-year fixed jumbo mortgages, ARM options, bank statement loans, asset depletion programs, and other financing for borrowers purchasing higher-priced homes or carrying more complex financial profiles.
Apply for a Houston jumbo mortgage online or connect with a jumbo loan specialist today. We’ll review current jumbo mortgage options, down payment requirements, and qualification guidelines and help you build a clear path from preapproval to closing.
FAQs – Getting a Jumbo Loan In Houston
What loan amount qualifies as a jumbo loan in Texas?
In Texas, the 2026 conforming loan limit for a one-unit property is $832,750 Any mortgage above this amount is considered a jumbo loan in Texas.
How much can I borrow with a jumbo loan?
With strong qualifications, jumbo loans can reach well into the multi-million range. Approval depends on factors like credit score, loan-to-value ratio, and reserves. Higher credit and more reserves unlock lower jumbo rates and better terms.
Do jumbo loans require perfect credit?
No. While a 750+ score helps secure the best jumbo pricing, borrowers with slightly lower scores can still qualify if they show compensating strengths, such as a larger down payment or significant liquid assets.
Can I get a jumbo loan if I’m self-employed or have complex income?
Yes. We offer bank-statement mortgages, asset depletion loans and crypto-backed programs to help Houston entrepreneurs and investors qualify without relying only on W-2 income.
What property types are eligible for jumbo financing?
Eligible properties include single-family homes, condos, townhomes, second homes, and 2–4 unit investment properties. We match you with jumbo lenders that offer the best fit for your property type.
What are today's jumbo rates?
30-year jumbo mortgage rates are often very competitive with conventional loan rates—and in some cases, even lower. Many Houston borrowers are choosing jumbo ARM rates like a 7/1 or 10/1 if they expect to refinance, sell, or relocate within a few years. We compare current jumbo mortgage rates across lenders to ensure you secure the best structure for your situation.
Do jumbo loans require 10% down?
Many jumbo programs start at just 5% down for strong borrowers, but requirements vary by lender, loan size, property type, and borrower profile. Although, if you're looking for the best rate and terms, lenders will require at least 20% down, especially on luxury condos, second homes, or investment properties.
Why Choose LendFriend?
LendFriend Mortgage specializes in jumbo and jumbo Non-QM loans in Houston for high-value primary residences, second homes, and investment properties. From conventional jumbo financing to bank statement and asset depletion programs, we help borrowers find competitive options based on their income, assets, property, and long-term goals.
Around the Clock
High-value transactions move quickly. Our team is available seven days a week to answer questions, review jumbo mortgage options, and keep your Houston purchase moving toward closing.
Loan Options
Choose from 30-year fixed jumbo loans, 5-year and 7-year ARMs, bank statement mortgages, asset depletion loans, and other jumbo Non-QM programs for complex financial profiles.
Fast Jumbo Preapprovals
A strong preapproval can make a difference when competing for a luxury home. We review your financial profile upfront so you can make offers with greater confidence.
Competitive Rates with No Points
Access competitive Houston jumbo mortgage rates across fixed-rate and ARM programs, including options for qualified borrowers purchasing with as little as 5% to 10% down.
Expertise for Complex Borrowers
We work with executives, business owners, investors, retirees, and high-net-worth borrowers who may need more flexibility than traditional jumbo underwriting provides.
Close in as Little as 14 Days
Our jumbo mortgage process is built for high-value transactions. Qualified Houston borrowers can close in as little as 14 days, helping meet aggressive contract timelines without sacrificing careful execution.
Learn More About Jumbo Loans in Houston
And our Learning Center gives you access to everything you need to know about jumbo loans, from down payment options and rate structure to underwriting, reserves, and refinancing. Read some of our favorite jumbo loan articles below.
