Texas Mortgage Lending, powered by CUTX

Texas Jumbo Mortgage Loans

Buy or refinance a higher-value home with a Texas jumbo mortgage loan. Explore flexible jumbo financing, competitive options for qualified borrowers, and personalized support from a Texas-based mortgage team.

Texas jumbo loans may be a fit for larger home purchases, luxury properties, and refinance needs that exceed standard conforming loan limits.
 

Texas Jumbo Mortgage Rates as Low as 5.55%1 (APR 5.788%)

Luxury home financing begins with a competitive jumbo mortgage rate and a lending experience built around your goals.
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Texas Jumbo Home Loan Requirements

Texas jumbo home loan requirements may include loan amounts from $832,750 to $2.5 million, a minimum 10% down payment, a 680+ credit score, terms up to 30 years2, and no PMI options. Explore the details below to see how jumbo mortgage qualifications and features may fit your home financing goals.

Who Should Consider a Texas Jumbo Mortgage?

A Texas jumbo mortgage may be a strong fit for homebuyers and homeowners who need financing above conforming loan limits. Jumbo home loans are often used to buy or refinance higher-value properties, support larger loan amounts, and provide flexible financing options for a range of homeownership goals.

  • Buying a higher-priced home in Texas
    Jumbo financing is designed for home purchases that exceed standard conforming loan limits.
  • Refinancing a larger existing mortgage balance
    A jumbo refinance can be a useful option when your current loan amount is too high for conventional conforming financing.
  • Moving into a larger home or higher-value neighborhood
    Many move-up buyers use jumbo loans when purchasing a home with a higher price point or larger loan need.
  • Financing a luxury home or premium property
    Jumbo mortgages are commonly used for higher-value homes that require financing beyond conforming loan limits.
  • Exploring flexible down payment options
    Some jumbo mortgage programs may allow eligible borrowers to buy with as little as 10% down.
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Finance a Higher-Value Texas Home

Built for larger home purchases and jumbo refinance needs in Texas.

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Jumbo Loans with as Little as 10% Down

Eligible borrowers may be able to buy a higher-value home with a down payment as low as 10%.

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No PMI Jumbo Loan Options

Some jumbo mortgage options do not require private mortgage insurance, which may help lower monthly costs.

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Flexible Jumbo Loan Terms Up to 30 Years

Choose loan term options that help balance monthly payments with your long-term home financing goals.

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Guidance from Texas Mortgage Professionals

Work with a Texas mortgage team that understands the local market and can help you compare the right loan options.

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Low Closing Costs and a Streamlined Process

Clear costs and a digital-friendly process make your jumbo mortgage experience simple from application to closing.

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Let's discuss your Jumbo Mortgage options

NMLS #576560 Credit Union of Texas provides mortgage loans through its affiliate Texas Mortgage Lending, LLC, NMLS #1641703. CUTX home loan programs are only available in Texas. Loans are subject to credit approval, CUTX’s lending policies, and property approval. Traditional closing costs apply. Additional terms and conditions may apply. Prequalification is not a commitment to lend. Membership required.

 

1 A typical 15-year Jumbo $1,000,000 loan with a fixed rate of 5.550% (5.788% APR) would have 360 monthly principal and interest payments of $8,197.39. APR means Annual Percentage Rate. These payment examples are for illustrative purposes only and does not include amounts for taxes and insurance premiums. If applicable, the actual payment obligation will be greater. The rate you may receive will depend on your individual circumstances, including your credit history, loan amount, down payment and CUTX's lending policies. Advertised rates and terms are subject to change at any time without notice.

 

2 A typical 30-year Jumbo $1,000,000 loan with a fixed rate of 5.750% (5.892% APR) would have 360 monthly principal and interest payments of $5,835.73. APR means Annual Percentage Rate. These payment examples are for illustrative purposes only and does not include amounts for taxes and insurance premiums. If applicable, the actual payment obligation will be greater. The rate you may receive will depend on your individual circumstances, including your credit history, loan amount, down payment and CUTX's lending policies. Advertised rates and terms are subject to change at any time without notice.
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