WE’RE HERE TO HELP YOU

Jumbo Loans in Austin Texas – Get the Financing You Deserve

Looking to buy a luxury home in one of Texas’s fastest-growing cities? Whether you're upgrading your lifestyle or investing in prime real estate, our jumbo loans in Austin, Texas are designed to help you finance more than the conventional limits allow — with as little as 10% down.


What is a Jumbo Home Loan?

A jumbo loan (also called a jumbo mortgage) is a type of home loan used to finance properties that exceed the conforming loan limits set by Fannie Mae and Freddie Mac. In 2025, that limit was $548,250 for most U.S. counties. However, in Texas, and especially in high-value markets like Austin, home prices often go well beyond that threshold and as of 2025 is $806,500

Jumbo home loans are designed for borrowers who need to finance a larger home or property that exceeds the conforming loan limit. Because jumbo loans are considered higher risk by lenders, they typically require a larger down payment, a higher credit score, and more stringent income and asset requirements than conforming loans.


Jumbo loans can be fixed-rate or adjustable-rate mortgages, and may come with higher interest rates and fees than conforming loans. However, for borrowers who need to finance a larger home or property, a jumbo home loan can provide the necessary funding to make the purchase.




Why Choose Our Jumbo Loans in Austin, TX?


Austin’s real estate market is booming — and so is the need for financing that keeps up with rising home values. Our Austin jumbo loan offerings are designed for today’s market, providing:


  • Loan amounts that exceed conforming limits
  • Down payments as low as 10%
  • Competitive mortgage interest rates for jumbo loans
  • Flexible terms (fixed-rate and adjustable-rate options)
  • Fast approvals and expert local support

Whether you're buying in Downtown Austin, Westlake, Lake Travis, or the Hill Country, we’re here to make your financing journey smooth and stress-free.



How Do Mortgage Interest Rates for Jumbo Loans Compare?


When it comes to mortgage interest rates for jumbo loans, rates can sometimes be slightly higher than those for conventional loans. This is because jumbo loans represent more risk to lenders. However, the actual rate depends on your financial profile, credit score, loan amount, and down payment.


The good news? We offer competitive jumbo loan rates in Texas, often comparable to — or even better than — conforming loan rates for well-qualified borrowers.


We’ll help you compare options and choose the best rate for your needs, whether you’re looking for a 30-year fixed jumbo loan or a more flexible adjustable-rate mortgage (ARM).



Jumbo Loan Refinance Options in Texas


Already have a jumbo mortgage? You may be able to:


  • Refinance for a better interest rate
  • Lower your monthly payment
  • Cash out equity for renovations or investments
  • Shorten your loan term and pay off your mortgage faster


Our Texas-based team can help you explore jumbo refinance options and run the numbers based on your goals.




Get a Quote

Put your mortgage to work for you

Cash out

Leverage your investment and take advantage of the equity your home has built for years.

Great For

Renovating your home

Paying down high-interest debt

Use my equity

Lower payments

Increase your financial security by refinancing to lower your monthly mortgage payment.

Great For

Increasing cash flow

Saving for retirement

Lower my payment

Reduce loan term

Why wait when you can refinance into a shorter term and pay your mortgage off.

Great For

Reducing interest
Paying off mortgages faster

Reduce my term

FAQs

Got a question? We’re here to help.

  • How does a jumbo home loan work?

    With a jumbo home loan, the borrower can finance a larger home or property that exceeds the conforming loan limit. Because jumbo loans are considered higher risk by lenders, they typically require a larger down payment, a higher credit score, and more stringent income and asset requirements than conforming loans.

  • What are the benefits of a jumbo home loan?

    The main benefit of a jumbo home loan is that it allows borrowers to finance a larger home or property that exceeds the conforming loan limit. This can be beneficial for borrowers who need to purchase a more expensive property and have the financial means to meet the eligibility requirements for a jumbo loan.

  • What are the drawbacks of a jumbo home loan?

    Jumbo loans often come with higher interest rates, fees, and more stringent eligibility requirements than conforming loans. Additionally, jumbo loans may be more challenging to obtain in certain economic conditions or for borrowers with less-than-perfect credit.

  • Who is eligible for a jumbo home loan?

    Eligibility requirements for a jumbo home loan will vary depending on the lender and the borrower's financial situation. Generally, borrowers must have a good credit score, a steady source of income, and a substantial down payment to qualify for this type of loan.

  • How do I choose the right jumbo home loan?

    When choosing a jumbo home loan, comparing interest rates, fees, and terms from multiple lenders is essential to find the best option for your financial situation. It would be best if you also understood the loan terms clearly, including the repayment schedule and any penalties for late payments or prepayment.

  • Can I refinance a jumbo home loan?

    Yes, a jumbo home loan can be refinanced, although certain eligibility requirements must be met. Refinancing can help borrowers lower their monthly mortgage payments or shorten the term of their loan.

  • What are the eligibility requirements for a jumbo home loan?

    Eligibility requirements for a jumbo home loan typically include a good credit score, a high income, and a large down payment. Borrowers should expect more stringent requirements than those for conforming loans.