Texas Jumbo Loans
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.
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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 as little as 10% down on loan amounts up to approximately $2.5M 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.
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—often within 30 days.
What Our Jumbo Loan 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 for Texas Homebuyers
Whether you're applying with 1099 income, running a business, leveraging investment assets, or purchasing in markets like Austin, Dallas, Houston, or Highland Park, we help Texas buyers find solutions traditional lenders often overlook.
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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.
Bitcoin 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.
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 10% 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.
Many lenders permit at 10% down, but the rate is quite high. Many still prefer 20% down for optimal pricing—especially on larger loan amounts, luxury condos, second homes, or investment properties. But when structured properly through a mortgage broker with access to multiple jumbo investors, 5% down is a legitimate and competitive option for well-qualified Texas buyers with strong credit, documented income, and solid reserves.
We often recommend 20% down for borrowers. But for clients who value liquidity, flexibility, and capital efficiency, evaluating 10% down structures 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 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.