All Products/Jumbo
Jumbo Loans · Houston's Premium Market

A Home Above the Limit
Deserves a Lender
Above the Rest.

Jumbo loans finance homes that exceed the conforming loan limits set by Fannie Mae and Freddie Mac. In Houston's premium markets, that threshold arrives faster than you'd expect. Tyler moves jumbo files quickly — with discretion and expertise.

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At a Glance

Jumbo Loan Basics

$806K+
Loan Amount Above Conforming Limit (2025)
700+
Typical Minimum Credit Score
10–20%
Minimum Down Payment (program dependent)
12 mo
Cash Reserves Often Required After Closing
What Makes Jumbo Different

Non-Conforming Financing for the Houston Luxury Market

Jumbo loans aren't sold to Fannie Mae or Freddie Mac, so lenders hold them in their own portfolio and set their own guidelines. That means stricter standards — but also more flexibility for high-income borrowers with complex financial pictures.

  • Loan amounts above the conforming limit (currently ~$806,500 in Texas)
  • 10–20% down payment options available (program dependent)
  • Ideal for Memorial, West University, The Woodlands, River Oaks, Tanglewood
  • Self-employed borrowers with strong assets often a good fit
  • Asset depletion income programs available for retired buyers
  • Investment property jumbo available
  • Cash-out jumbo refinance options
Houston's Jumbo Markets

Where You Need Jumbo Financing

These Houston-area communities frequently see transaction prices that exceed conforming limits and require jumbo financing:

River Oaks
Memorial
West University
The Woodlands
Tanglewood
Bellaire
Sugar Land (77479)
Friendswood
Katy (77494)
Common Questions

Jumbo Loan FAQs

For 2025, the standard conforming loan limit is $806,500 for a single-family home in most Texas counties, including Harris and Fort Bend. Loan amounts above this threshold are classified as jumbo and require non-conforming financing. The limit is set annually by FHFA and can change — confirm the current number with Tyler at the time of your purchase.
Historically, jumbo rates ran higher than conforming rates because lenders took on more portfolio risk. In recent years, the spread has narrowed significantly — and for well-qualified borrowers, jumbo rates can be very competitive. The key variables are credit score, LTV, reserves, and the specific lender's portfolio appetite. Tyler will compare options across multiple programs to find the most competitive pricing for your scenario.
Yes — jumbo programs have more underwriting flexibility than conforming products, which can benefit self-employed borrowers. Bank statement programs (using 12–24 months of deposits instead of tax returns) are common in the jumbo space. Asset depletion programs allow high-net-worth buyers to use assets as qualifying income. Tyler will match your income documentation to the right program.
Jumbo lenders typically require 6–12 months of reserves (PITIA payments) remaining in liquid or semi-liquid accounts after closing. Some high-balance programs require more. Retirement accounts, investment accounts, and business accounts may count — though at reduced values. Tyler will tell you exactly how much you need based on the specific program and loan amount.

Financing Your Premier Houston Home

Jumbo transactions require a loan officer who knows what they're doing. Tyler moves quickly, handles complex income files, and treats your transaction with the discretion it deserves.

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