“I highly recommend LendFriend! They helped me understand every step throughout the process. I had a direct contact for any questions I had in real time. Customer service is top notch. They handled all of the hard things so that we could find the right home. They really cared about getting the right financing option us and help us get a solid rate. I’ll recommend LendFriend to anyone I know who is looking for a home.”
Jumbo Loans in Texas
Many homes across Texas exceed conforming loan limits, especially in markets like Austin, Dallas, Houston, San Antonio, and Frisco. As a mortgage broker, LendFriend Mortgage helps borrowers access low jumbo loan rates by comparing programs across multiple lenders.
Why Homebuyers Trust LendFriend With Their Texas Jumbo Loans
At LendFriend Mortgage, we specialize in jumbo mortgages designed for today’s luxury home buyers—from traditional 30-year fixed jumbo loans to strategic ARMs and Non-QM options for complex income profiles.
Here’s why jumbo borrowers across Texas choose LendFriend:
Deep jumbo expertise across Texas. From luxury homes in Austin and Lake Travis to high-value properties in Dallas, Houston, San Antonio, and Frisco, we understand how jumbo loans are priced and structured in competitive Texas markets—and which lenders deliver the strongest execution.
Access to great jumbo rates. As a mortgage broker, LendFriend compares programs across a wide network of lenders. Through our partnerships with competitive local and national lenders who actively compete for Texas business, we can often meet or beat existing quotes while securing strong terms for borrowers.
More than just 30-year fixed loans. While many buyers prefer traditional fixed-rate jumbo mortgages, adjustable-rate options such as 7/1 or 10/1 ARMs can provide lower initial rates—often a smart strategy for borrowers who may refinance or move within several years.
Low down payment jumbo options. Qualified Texas borrowers may obtain jumbo financing with just 5-10% down on loan amounts up to approximately $2.5M and through a strategic first and second lien structure on primary residences, allowing buyers to preserve liquidity while still securing competitive pricing.
Flexible qualification programs. LendFriend offers bank-statement jumbo loans, asset-depletion mortgages, and RSU-based income programs—ideal for entrepreneurs, consultants, executives, and other high-earning borrowers with complex income.
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 Texas buyers strengthen their jumbo approval in Austin, Dallas, Houston, and other high-value Texas markets where equity compensation is a major part of the financial picture.
Crypto-backed jumbo mortgage solutions. For borrowers holding Bitcoin or Ethereum, our crypto-backed mortgage programs can allow qualification without liquidating digital assets or triggering potential capital gains.
Fast, strategic approvals. Our process is built for higher-value transactions and competitive Texas markets, delivering strong approvals and reliable closings. LendFriend can close your jumbo loan in Texas in as little as 14 days.
5/5 Star Reviews on Google, Zillow, and Experience.
BORROWER TESTIMONIALS
See Why Texas Borrowers Choose LendFriend Mortgage
From first-time homebuyers and business owners to jumbo borrowers and clients with complex income, see what borrowers across Texas say about working with LendFriend Mortgage.
★★★★★
“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!”
“Financing a home with acreage and unconventional retirement income can be overwhelming, but LendFriend Mortgage made the process smooth from beginning to end.
They were always quick to respond, answered every question we had, and explained each step in a way that was easy to understand. We always had direct access to the people actually working on our loan, which made the experience much less stressful.
What really stood out was that even after the loan funded, they continued helping and making sure we understood the next steps. There was never a feeling of “the loan closed, good luck.”
We truly appreciated the patience, communication, and support through the entire process and would absolutely recommend LendFriend Mortgage, especially for anyone with a unique financial situation or rural property purchase.”
“As a 1099 worker with non-traditional income history, Eric was able to think outside the box and help me find a mortgage for my first home. The company was always problem-solving and the process was seamless. I have already recommended them to several other friends and colleagues. If you are a non-traditional borrower or are looking for someone that can come up with creative solutions, check out LendFriend!”
“Eric and the team at LendFriend were an absolute pleasure to work with. Having had terrible experiences in the past with national/online brokers, I wanted a local broker who I could build trust with. The team was always proactive in making sure the next steps were lined up and executed, it was never on me to guess what needed to happen. Eric answered texts off hours and helped me navigate unusual pathways - cross country move, potential job change mid-process, etc... Eric also introduced me to a terrific real estate agent who found us our dream house. A+ experience.”
“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.”
“I had an exceptional experience with LendFriend Mortgage! From start to finish, the team made the process smooth, transparent, and stress-free. They took the time to explain every detail, answered all my questions promptly, and ensured I felt confident every step of the way. The customer service was outstanding—friendly, professional, and genuinely focused on helping me get the best possible rate. My closing was quick and seamless, and I couldn’t be happier with the outcome. I highly recommend LendFriend Mortgage, Eric, and Chelsea to anyone looking for a reliable and trustworthy lender!”
“Eric and LendFriend saved the day! We had a lender who struggled so terribly that the sellers were willing to put their property back on the market. Our realtor pulled the deal from the ashes and we chose LendFriend to make it right quickly. We closed a million plus VA loan in 3 weeks and now have our forever home. Thank you LendFriend, Eric, and Morgan!”
Texas Home Loans We’ve Closed After Banks Said No
Texas' higher-priced homes attract buyers with sophisticated financial profiles, including business owners, tech employees with equity compensation, crypto investors, and executives making major career moves. These borrowers can be exceptionally well qualified and still get declined when a bank’s guidelines do not fit the way they earn, invest, or hold wealth.
LendFriend has helped homebuyers in Texas close these purchases by finding lenders willing to evaluate the complete financial picture, including exception-based lending when the file supports it. If a bank has already turned down your loan, our guide to what to do after a jumbo loan denial in Texas explains why another lender may reach a different decision.
Below are several Texas loans we have closed after traditional financing fell short.
Self-Employed Buyer in Austin
A business owner purchasing a $2.5 million home in Barton Hills, Austin needed a $1.8 million mortgage, but business deductions reduced the income a traditional bank was willing to recognize. We found a lender that could evaluate the company’s actual cash flow and the borrower’s overall financial strength.
High-Net-Worth Buyer in Houston
A high-net-worth buyer purchasing a $2.4 million home in Bellaire needed a $1.8 million mortgage but had limited traditional employment income. We found an asset depletion lender that could use eligible investment assets to support qualification, allowing the borrower to move forward without relying on W-2 income or liquidating a significant portion of the portfolio.
Databricks Employee Buys in Dallas
A Databricks employee purchasing a $1.6 million second home in Dallas wanted 90% financing while relying in part on pre-IPO equity. We matched the borrower with a lender that could recognize eligible private-company stock and closed the purchase with a $1.44 million mortgage.
Crypto Buyer in West Lake
A crypto investor purchasing a $3.2 million home in West Lake Hills needed a $2.4 million mortgage without liquidating a large portion of the portfolio. We found financing that considered the borrower’s broader asset profile and available liquidity.
Jumbo Loan Programs for Texas Homebuyers
With access to hundreds of mortgage investors, LendFriend offers flexible jumbo loan options for borrowers with complex financial profiles. From bank statement loans and asset depletion to crypto mortgages and doctor loans for qualifying medical professionals, we help structure financing around your strengths instead of forcing you into a standard lending box.
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Asset Depletion Mortgage for HNW Individuals
Leverage your financial assets to qualify for your next Texas home. Our asset depletion mortgage programs allow qualified borrowers to use bank accounts, investment portfolios, and retirement funds as qualifying income. These solutions are ideal for high-net-worth Texans purchasing homes in markets like Austin, Houston, or the Dallas suburbs.
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Self Employed Mortgages For Texas Entrepreneurs
Running your own business shouldn't make qualifying for a mortgage harder. Our self-employed mortgage programs for Texas borrowers allow entrepreneurs, consultants, and 1099 earners to qualify using bank statements or alternative documentation instead of traditional tax returns.
Crypto Mortgages
Texas has become one of the largest hubs for cryptocurrency investors and miners. Our crypto-backed mortgage programs allow qualified borrowers to purchase a home without liquidating Bitcoin or Ethereum holdings, helping Texans maintain long-term exposure to their digital assets while buying real estate.
RSU Mortgages For Tech Employees
Many professionals in Austin and other Texas tech hubs receive compensation through Restricted Stock Units (RSUs). Our RSU mortgage program allows qualified employees to use vested stock grants as income, helping equity-compensated professionals purchase homes faster without waiting for shares to fully convert to cash.
Buy Before You Sell
Moving within Texas can be challenging when you need to sell your current home first. Our Buy Before You Sell program allows homeowners to unlock equity from their current property and purchase their next home first — avoiding contingent offers and the stress of coordinating two closings.
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VA Jumbo Loans in Texas
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.
Straightforward Texas Jumbo Loan Qualification
Securing a jumbo loan in Austin doesn’t need to be complicated. At LendFriend, we make the process transparent and efficient.
Transparent income, credit & DTI guidelines
We explain jumbo loan requirements clearly—credit scores, documentation, reserves, and loan-to-value ratios—so you know what to expect.
Solutions for entrepreneurs, executives, and investors
We specialize in jumbo mortgages for business owners, professionals, and high-asset borrowers with complex financials—structuring loans to fit your profile, not force you into a box.
Get Started on Your Texas Jumbo Loan
Whether you're purchasing in Austin, Dallas, Houston, Lakeway, Westlake, or The Woodlands, we’ll build a jumbo financing strategy that fits your goals. From 10% down jumbo loans to Non-QM jumbo programs, we help Texas borrowers access flexible financing options for higher-value homes.
Apply for a jumbo loan online or connect with a LendFriend mortgage expert today. We’ll compare competitive Texas jumbo mortgage rates, explain the differences between jumbo and conforming loans, and create a clear path to closing.
FAQs – Texas Jumbo Loans
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.
Because home prices in communities like West Lake Hills, Tarrytown, Allandale or Northwest Hills often exceed this threshold, jumbo mortgages are the standard financing option for many Austin buyers.
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 non-QM jumbo programs like bank-statement mortgages and asset-depletion loans. These allow entrepreneurs, consultants, high net worth individuals and retirees who want to live in Austin qualify without relying on W-2s or traditional tax returns.
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 Austin 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.
What's the lowest down payment available for jumbo loans in Texas?
With LendFriend, qualified borrowers can secure ultra competitive rates on jumbo financing with as little as 5% down through a 90% combined loan-to-value structure. This is achieved by pairing a competitively priced jumbo first lien with a strategically layered second lien—allowing buyers to preserve liquidity while maintaining strong pricing on the primary balance.
We often recommend 20% down for borrowers. But for clients who value liquidity, flexibility, and capital efficiency, evaluating 5% or 10% down payment structure can be a smart move—especially when those options are priced through a broker with broad jumbo access.
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 as little as 14 days
Our process is designed for larger transactions, so most jumbo loans close in as little as 14 days—even in competitive markets like Austin, Dallas, and Houston.
Learn More About Jumbo Loans in Texas
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.
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