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The Lowdown on Jumbo Loans...

Our Jumbo Loan Rates Are Low & Our Process is Quick & Painless

A jumbo loan is a loan that exceeds the conforming loan limits as set by Fannie Mae and Freddie Mac. As of 2022, the limit is $647,200 for most of the US. Rates tend to be a bit higher on jumbo loans because lenders generally have a higher risk.

We’re here to make the jumbo home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our Jumbo Loan Qualifier.

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.

The Jumbo Loan Process

Here’s how our home loan process works:

  • Complete our simple Jumbo Loan Qualifier
  • Receive options based on your unique criteria and scenario
  • Compare mortgage interest rates and terms
  • Choose the offer that best fits your needs

JUMBO LOAN PRODUCTS

We have multiple Prime Jumbo products designed to help you win vs. big banks. Each is talored to borrowers with different circumstances – however, they all have a few similarities:

  • Loan amounts starting at $1 over the county loan limit
  • No MI required
  • Restricted Stock Unit (RSU) income accepted
  • Available on Texas Conversion loans

PRIME JUMBO RELEASED (30-YEAR FIXED)

  • Loan amounts up to $3M
  • 680+ FICO and up to 45% DTI
  • Up to 89.99% LTV
  • Eligible on primary, second and investment properties for purchases, rate/term and cash-out refinances
  • One appraisal required for loans up to $2M*
  • Two appraisals required for loans over $2M*
  • Loan amounts greater than $2M require 18 months of reserves in addition to any reserves required by AUS

PRIME JUMBO (15- OR 30-YEAR FIXED)

  • Loan amounts up to $3M
  • 680+ FICO and up to 45% DTI
  • Up to 89.99% LTV and no MI required
  • UWM services these loans exclusively
  • Borrower solicitation protection
  • Eligible on primary, second and investment properties for purchases, rate/term and cash-out refinances
  • One appraisal required for purchases up to $3M and refinances up to $2M*
  • Two appraisals required for refinances over $2M*
  • Loan amounts greater than $2M require 18 months of reserves in addition to any reserves required by AUS

PRIME JUMBO ARMS (5-, 7- AND 10-YEAR)

  • Loan amounts up to $3M
  • 680+ FICO and up to 45% DTI
  • Up to 80% LTV
  • Eligible on primary, second and investment properties for purchases, rate/term and cash-out refinances
  • One appraisal required for purchase up to $3M and refinances up to $2M*
  • Two appraisals required for refinances over $2M*
  • Loan amounts greater than $2M require 18 months of reserves in addition to any reserves required by AUS

PRIME JUMBO INTEREST ONLY (30-YEAR FIXED)

  • Loan amounts up to $3M
  • 700+ FICO and up to 43% DTI
  • Up to 80% LTV
  • 10-year interest only, 20-year amortization period
  • Eligible for primary and second homes for purchases and rate/term refinances
  • One appraisal required for purchases up to $3M and refinances up to $2M*
  • Two appraisals required for refinances over $2M*
  • Loan amounts up to $1M require 12 months of reserves in addition to any reserves required by AUS
  • Loan amounts over $1M require 24 months of reserves in addition to any reserves required by AUS

PRIME JUMBO MAX (30-YEAR FIXED)

  • Loan amounts up to $2.5M
  • 700+ FICO and up to 43% DTI
  • Up to 80% LTV
  • Eligible for primary and second homes for purchases and rate/term and cash-out refinances
  • One appraisal required for loans up to $2M*
  • Two appraisals required for loans over $2M*
  • For primary purchase, rate and term refinance loans up to $1.5M 12 months reserves required
  • For primary purchase, rate and term and cash out refinance (up to $300,000 cash back) minimum 12 months reserves required
  • For second home purchase, rate and term and cash out refinance (up to $300,000 cash back) minimum 18 months reserves required
  • For primary cash out refinance (up to $500,000 cash back) 24 months reserves required

YOUR DREAM HOME IS WITHIN REACH

Let us show you your home loan possibilities by starting with our Jumbo Loan Qualifier or Call us today 281-385-5511!

DREAM BIG. MORTGAGE SMART.

Chances are, you put yourself in the position to buy the house of your dreams by being smart with your money. Wellhelp you keep it that way. We offer a wide variety of jumbo home loan options up to $3M with low ratesalong with the service, expertise and attention to detail you can expect on such an important financial investment. Well also prioritize your loan for a quick and easy closing usually in about one-third the time of the industry average.

  • Fixed Rates (15- or 30-year fixed)
  • Adjustable Rate Mortgages (5-,7- and 10-Year)
  • Interest Only (30-Year Fixed)
  • No MI Required
  • Up to 89.99% LTV
  • Loan amounts up to $3M