TEXAS MORTGAGE BROKER · SINCE 2012
Jumbo Loans in Texas
Purchasing a luxury home in Texas? Jumbo loans cover properties that exceed conforming loan limits, and I specialize in making the process smooth and competitive.
When Do You Need a Jumbo Loan?
A jumbo loan is required when your purchase price exceeds the conforming loan limit for your county. Texas is home to some of the most desirable luxury markets in the country, including Westlake, Barton Creek, Preston Hollow in Dallas, and River Oaks in Houston.
Jumbo loans come with stricter qualification requirements, but the right broker can still secure competitive rates. Because I work on a low-overhead model, my jumbo clients benefit from pricing that larger lenders struggle to match.
Whether you are building your dream home in the Hill Country or investing in a high-end property in one of Texas’s premier neighborhoods, I will guide you through every step of the jumbo loan process.
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Higher Loan Amounts
Jumbo loans allow you to finance properties well above conforming limits, giving you access to the Texas luxury market without depleting your liquid reserves.
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Competitive Jumbo Rates
Through wholesale channels, I can access jumbo rates that often compete with or beat conforming rates. The broker model shines in this space.
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Personalized Service
High-value transactions demand high-touch service. You work directly with me from application to closing. No hand-offs, no call centers.
General Jumbo Loan Requirements
✓ Higher credit score requirements (typically 700+, though 720+ is preferred)
✓ Larger down payment (usually 10-20% minimum)
✓ Significant liquid reserves after closing
✓ Full income and asset documentation
✓ Lower debt-to-income ratio than conventional guidelines
Financing a Luxury Home in Texas?
I will structure your jumbo loan to protect your assets and secure the best possible rate. Schedule a call to discuss your options.
Anthony Ferrando | Ferrando Financial LLC | NMLS# 2403080