Mortgage Broker in Houston for Jumbo & Non-QM Loans
As a mortgage broker, we offer competitive jumbo mortgage rates and flexible programs designed for high-value properties. A jumbo loan in Houston can help you finance a multi-million-dollar estate or a second home, structured carefully to match your goals.
How We Make Jumbo Financing Easy in Houston
At LendFriend Mortgage, our programs include traditional 30-year fixed mortgages, adjustable-rate options like 7/1 or 10/1 ARMs, and flexible Non-QM solutions for self-employed professionals, retirees, and investors. We work with top lenders across Houston and provide financing for luxury estates, gated communities, and modern custom homes.
Here’s why borrowers choose our jumbo mortgage in Houston:
Here’s why jumbo borrowers choose us:
- Expertise in High-Value Properties: We have extensive experience financing luxury homes, custom builds, and other high-end properties, so buyers get the right jumbo loan.
- Flexible Loan Options: Buyers can get a conventional jumbo mortgage in Houston, or an ARM like a 7/1 or 10/1 if they plan to refinance or relocate.
- Non-Traditional Income Programs: Self-employed professionals and high-net-worth individuals can qualify for bank statement loans, asset depletion programs, or RSU-based mortgages.
- Crypto-Backed Financing: Investors holding Bitcoin or Ethereum can use digital assets to qualify without selling or triggering capital gains taxes.
- Fast, Smooth Closings: Our jumbo loan process is built for high-end transactions, with efficient preapprovals and closings often completed in 30 days or less.
Houston Jumbo Loan Programs for Every Borrower
With access to hundreds of mortgage investors, we provide flexible jumbo loan options for nearly every situation. Applying with 1099 income, running your own business, or using assets, we help you qualify where traditional lenders often say no. Our goal is to make homeownership possible and straightforward.
.png?width=50&height=50&name=Email%20Icons%20(3).png)
Asset Depletion Mortgages
High-net-worth individuals can use bank accounts, investments, and retirement funds as qualifying income. Asset-based lending provides a clear path to finance luxury homes or high-value properties in Houston.
-1.png?width=50&height=43&name=Email%20Icons%20(4)-1.png){kind=small}
Self-Employed Mortgages
Entrepreneurs and 1099 earners can secure a mortgage without tax returns or W-2s. Our programs simplify the process and offer real solutions for self-employed buyers.
Crypto-Backed Mortgages
Houston buyers with Bitcoin or Ethereum can purchase a home without selling digital assets. No income verification is needed, so crypto investors can qualify directly with their holdings.
RSU Mortgages
Tech professionals and equity-compensated employees can use vested Restricted Stock Units as qualifying income. This program allows faster approval without waiting or cashing out shares.
Buy Before You Sell
Access the equity in your current home to move into your new property without contingent offers. This program helps Houston buyers transition smoothly without timing stress between sales and closings.
How We Help You Qualify for Jumbo Loans
At LendFriend, we simplify the jumbo loan process so you can focus on your home goals.
Step 1: Understand the Requirements
- We break down credit, income, and debt-to-income standards in plain language
- Know exactly what it takes to qualify before you apply
Step 2: Get Solutions Beyond Traditional Income
- Our Non-QM programs are for self-employed professionals, entrepreneurs, and investors
- We consider your full financial picture, not just W-2s or tax returns
Step 3: Focus on Your Home Goals
- We simplify the jumbo loan process so you can concentrate on finding your ideal home
Professional Support to Get A Jumbo Loan in Houston
Our team structures jumbo loans to fit your home and financial goals. Programs start at 10% down and include specialized Non-QM options to make qualifying simple.
- Apply for a jumbo loan online in minutes or speak with a mortgage expert
- We help you compare current jumbo rates in Houston to find the best option
- Understand how jumbo loans differ from conforming mortgages
- Receive guidance through a clear, efficient path to closing
Why Choose LendFriend?
At LendFriend Mortgage, jumbo loans are our specialty. We connect borrowers with the right jumbo lender for their property, financial situation, and goals. Our transparent process helps you get approved and close smoothly. Options include fixed 30-year loans, 7/1 ARMs, and flexible Non-QM programs designed to meet diverse needs.
Always Available
We work seven days a week to answer questions, review your options, and guide you through the Houston jumbo loan process.
Dedicated Experts
We focus exclusively on jumbo loans, helping Houston buyers secure financing for luxury homes, high-value properties, and investment estates.
Quick Approval and Closing
Applying online takes a few minutes, and our preapproval strengthens your offer on high-value properties. Most Houston jumbo loans close in 30 days or less.
Competitive Rates
We shop multiple lenders to secure the most attractive jumbo loan rates for your profile without unnecessary fees.
Flexible Options
We provide a variety of jumbo financing solutions, including bank statement loans, asset depletion programs, ARMs, and fixed-rate options.
Expert Guidance
Work one-on-one with a mortgage expert who finds competitive rates and ensures smooth approval every step of the way.
What Our Jumbo Borrowers Say About LendFriend
5/5 Star Reviews on Google, Zillow, and Experience.
.png?width=200&height=34&name=Stars%20(4).png "Stars (4)"){kind=small}
-
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 -
Eric, Morgan, Crystal, and the entire LendFriend team were the perfect mortgage partners for us. They were incredibly informative, supportive, flexible, and understanding throughout the process. Every question we had was met with clear answers and thoughtful guidance, and they kept us proactively updated at every step. After comparing a few different lenders, we realized that working with a brokerage was the best choice. I highly recommend them for their transparency, speed, and excellent execution end to end.
Alisha T
Closed November 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
FAQs – Getting a Jumbo Loan In Houston
What loan amount qualifies as a jumbo loan in Houston?
In Houston, the 2025 conforming loan limit for a one-unit property is $806,500 Any mortgage above this amount is considered a jumbo loan.
How much can I borrow with a jumbo mortgage in Houston?
Qualified borrowers can access jumbo loans reaching into the multi-million range. Approval depends on credit score, loan-to-value ratio, and available reserves. Stronger credit and higher reserves often result in lower rates and better terms.
Is perfect credit required for a jumbo loan?
No. While a credit score above 750 helps secure the lowest rates, borrowers with slightly lower scores may qualify by demonstrating strengths such as a larger down payment or substantial liquid assets.
Can self-employed professionals or investors qualify for a jumbo loan?
Yes. Bank statement loans, asset depletion programs, and crypto-backed jumbo mortgages help Houston entrepreneurs, consultants, and investors qualify without relying solely on W-2 income.
Which types of properties can I finance with a jumbo loan?
Jumbo financing is available for single-family homes, condos, townhomes, second homes, and 2–4 unit investment properties. We match borrowers with lenders that best suit each property type.
What are today's jumbo rates in Houston?
30-year jumbo rates are highly competitive with conventional mortgages and sometimes lower than traditional rates. Adjustable-rate jumbo loans, like 7/1 or 10/1 ARMs, are popular for buyers planning to refinance, sell, or relocate within a few years.
Do jumbo loans require 10% down?
Many jumbo programs start at 10% 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.