Jumbo & Non-QM Loans in Bellaire, West University, and Southside Place
As a mortgage broker serving Houston’s most desirable neighborhoods—including Bellaire, West University Place, and Southside Place—we deliver competitive jumbo mortgage rates and flexible loan programs designed for high-value homes.
Why Homebuyers Trust LendFriend With Their Jumbo Loans in Austin
At LendFriend Mortgage, we specialize in helping Houston buyers secure jumbo financing that matches their lifestyle—whether that’s a traditional 30-year fixed, an ARM, or a Non-QM solution for self-employed professionals, physicians, attorneys, and entrepreneurs. With access to dozens of lenders, we deliver programs tailored for Bellaire luxury homes, West U new builds, and Southside Place’s exclusive enclave.
Here’s why jumbo borrowers choose us:
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We know jumbo. From tree-lined estates in Bellaire to modern homes in West U and family-friendly Southside Place, we’ve financed some of Houston’s most prestigious properties. We know which lenders move quickly and price aggressively in high-demand areas.
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Beyond 30-year fixed. Many borrowers prefer the stability of a conventional jumbo mortgage, but others maximize savings with ARM options like 7/1 or 10/1—ideal if you plan to refinance or move within a few years.
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Flexible qualification programs. We offer jumbo bank-statement loans , asset-depletion 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.
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Fast approvals. Our jumbo process is built for high-end transactions, with tailored preapprovals and smooth closings—often in 30 days or less, even in competitive Houston markets.
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
Loan Programs To Suit Every Borrower's Needs!
With access to hundreds of mortgage investors, we offer flexible home loan options for nearly every situation. Whether you're applying with 1099 income, running your own business, looking to leverage your assets, we’ve got you covered. We're here to say yes where traditional lenders have said no. Let us help you make homeownership happen.
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Asset Depletion Mortgage for HNW Individuals
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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Self Employed Mortgages For Entrepreneurs and 1099 earners
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 for Bitcoin and Ethereum Investors
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
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.
Buy Before You Sell
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.
One Time Close Construction Loans
Build your dream home and skip the stress of multiple closings. Our one-time close construction loan covers construction and permanent financing—saving time, money, and hassle from start to finish.
Straightforward Qualification That Works for You
Buying in Bellaire, West U, or Southside Place shouldn’t mean complicated financing. At LendFriend, we make the jumbo loan process transparent and efficient:
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Clear income, credit & DTI guidelines. We break down requirements so you know exactly what it takes to qualify.
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Programs for self-employed & professionals. From physicians at the Texas Medical Center to business owners, our Non-QM solutions help you qualify without relying solely on W-2s or tax returns.
Get Started On Your Bellaire, West U, or Southside Jumbo Loan Today
Whether you’re buying a Bellaire luxury estate, a new construction in West University, or a custom Southside Place property, our team structures jumbo mortgages to match your needs. From 10% down jumbo options to specialized Non-QM solutions, we ensure you’re positioned for success.
Apply online today or connect with a local Houston advisor. We’ll compare current jumbo mortgage rates, explain how jumbo loans differ from conforming mortgages, and lay out a clear path to closing. Many of our clients in Bellaire, West U, and Southside Place close in 30 days or less.
FAQs – Getting a Jumbo Loan In Texas
What loan amount qualifies as a jumbo loan in Texas?
In Texas, 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 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 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.
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.