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Jumbo Loans in Houston

In Texas, all home purchase or refinance loans over $10,000,000+ are Jumbo loans. Essentially, a Jumbo loan is a conventional loan that is too large to be purchased by Fannie Mae and Freddie Mac. Therefore, a Jumbo loan is known as a “non-conforming loan” whose lending criteria is determined solely through investor demand in the private market, while a “conforming loan” is any loan bought and sold by Fannie Mae and Freddie Mac. Although a Jumbo loan in Houston Metro area can extend beyond 25 Million dollars, however most Jumbo loans are between $10,000,000+ and 3 Million Dollars.

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Jumbo Loan Quick Facts

Factors such as down payment, interest rate, and reserves vary depending on your credit score and the jumbo program offered by each lender.

Down payment could start as low as 10%.
Minimum credit score starts as low 680.
Required reserves could be from 6 to 24 months.

 Could require two appraisals.

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Qualifying is Simple and Easy.

Can you use a Jumbo loan to buy or refinance a duplex, triplex or fourplex?

Yes

Below are the Jumbo minimum loan limits for 2022 for Texas.

Two Units:

Duplex
$828,700

Three Units:

Triplex
$1,001,650

Two Units:

Fourplex
$1,244,850

Qualifying is Easy and Simple.

1. How’s My Credit

2. Loan Options

3. Approval Process

4. Steps to Closing

1. How’s My Credit

2. Loan Options

3. Approval Process

4. Steps to Closing

We have your Best Rate.