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Today's Jumbo Loan Rates In Texas

Today's Jumbo Loan Rates In Texas for

Purchase Rates

6.375
%

APR 6.546%
Refinance Rates

6.750
%

APR 6.919%
Get your rate today! We'll give you a no-haggle, low rate quote with fast response times and friendly service.

Rate Table Assumptions

Mortgage rates change with market conditions.  They can only be guaranteed when they are locked in with an application.  The rates may vary based on credit score, loan amount, and other factors. 

Loan amounts greater than $475,000. FICO credit score greater than 780 or higher.  Owner Occupied

30 Conventional Year Fixed - $475,000 or greater . LTV 75.0%. 1 % Point Charged First time Home Buyer. 

15 Year Fixed - $475,000 or greater. LTV 75%. 1 Point Charged.

30 Year Jumbo Loan - $800,000 or greater. LTV 75.0%. 1 Point. 

30 Year FHA Loan - $475,000. LTV 96.5%. 1 Point charged

30 Year VA Loan - $475,000. 100.0% 1 Point.

1,122

Customer Reviews

4.9 out of 1122 reviews
1
Mayra Peniche
Richard was amazing to work with. He keps me informed thoughout the transaction. He was always available when I needed to ask a question or needed help with something. I would love to work again with Richard in the future1
2
Debbie Luna
A team of approachable professionals! We received weekly updates, and their execution in keeping us on track for closing was outstanding!
3
Kimberly Ingles
Nichole Walker made my home buying process an ease. She went out of her way to make sure that I had everything I needed lined up and answer any and all questions that I had. I highly recommend working with her. She is professional and super friendly and easy to work with. Thank you for all of your help Nichole!!
4
David Mickley
Reef, Richard and his team were fantastic in working with my clients while being transparent and efficient. I will be recommending the team at Texas United Mortgage to any homebuyers in the area!
5
Tabitha Cole
I am a first time buyer and I was directed to Reef, Joy and Richard by my realtor Kay Harris. When I say there is not a better team to get the job done, I mean it’s not. I went to others which made me have trust issues with everyone. This team went on my schedule and went out there way to make sure every move was comfortable for me! It’s not a better team you will find trust me I went through a lot from other companies. Thanks so much for impacting my life in a positive light
6
Timmy Miller
Reef helped me along the way and kept me informed throughout the process.
7
Clarisse Piczon
Daniel and his team were a pleasure to work with in getting our first home in San Antonio! Daniel and his team are very professional, responsive, and knowledgable. Would highly recommend!
8
Rhett Burk
Reef, Claudia and Scott were great help! Dealing with the VA Loan process, Sellers Market and separation from the service all at once, was rather difficult. We didn't give the much to work with in regards of time or money. However, they kept it moving forward, worked with what we had and made it happen. Great work ethic across the board. Good folks and I greatly appreciate their services!
9
Mike Jacob
Fantastic business, helpful, knowledgeable, and responsive. Reef really listens.
10
Kendra Gutierrez
Daniel and the team were extremely helpful when it came time for my husband and I to purchase our first home. This team made the process smooth and informative which is helpful to first time home buyers.
1
Mayra Peniche
Richard was amazing to work with. He keps me informed thoughout the transaction. He was always available when I needed to ask a question or needed help with something. I would love to work again with Richard in the future1
2
Debbie Luna
A team of approachable professionals! We received weekly updates, and their execution in keeping us on track for closing was outstanding!
3
Kimberly Ingles
Nichole Walker made my home buying process an ease. She went out of her way to make sure that I had everything I needed lined up and answer any and all questions that I had. I highly recommend working with her. She is professional and super friendly and easy to work with. Thank you for all of your help Nichole!!
4
David Mickley
Reef, Richard and his team were fantastic in working with my clients while being transparent and efficient. I will be recommending the team at Texas United Mortgage to any homebuyers in the area!
5
Tabitha Cole
I am a first time buyer and I was directed to Reef, Joy and Richard by my realtor Kay Harris. When I say there is not a better team to get the job done, I mean it’s not. I went to others which made me have trust issues with everyone. This team went on my schedule and went out there way to make sure every move was comfortable for me! It’s not a better team you will find trust me I went through a lot from other companies. Thanks so much for impacting my life in a positive light
6
Timmy Miller
Reef helped me along the way and kept me informed throughout the process.
7
Clarisse Piczon
Daniel and his team were a pleasure to work with in getting our first home in San Antonio! Daniel and his team are very professional, responsive, and knowledgable. Would highly recommend!
8
Rhett Burk
Reef, Claudia and Scott were great help! Dealing with the VA Loan process, Sellers Market and separation from the service all at once, was rather difficult. We didn't give the much to work with in regards of time or money. However, they kept it moving forward, worked with what we had and made it happen. Great work ethic across the board. Good folks and I greatly appreciate their services!
9
Mike Jacob
Fantastic business, helpful, knowledgeable, and responsive. Reef really listens.
10
Kendra Gutierrez
Daniel and the team were extremely helpful when it came time for my husband and I to purchase our first home. This team made the process smooth and informative which is helpful to first time home buyers.
1-1
Natalie Witherspoon
Daniel Ganoe made the purchasing of our home in Texas easy. I did not know what to expect since I was purchasing a home out of state. Daniel kept us informed and updated twice a week. He answer all of our question. He return texts and calls promptly. Very respectful and professional. If you looking for a fantastic and professional mortgage broker Dan is the man.
2-1
Kevin Browder
I like to thank Texas Mortgage Company for the great job they did towards purchasing my new home thanks a lot to everyone who helped me out
3-1
Lincy Pillai
Reef & Joy were absolutely, hands down amazing! Reef has been working the numbers with my husband for MONTHS and even accommodated to my husband’s work schedule & called after hours. Joy worked diligently & responded so quickly. We are ever so grateful for their patience & the magic they pulled right before closing. We highly recommend that everyone uses Texas United Mortgage.
4-1
Kumar Mukherjee
Hands down trust worthy, professional and efficient. Saved me from overpaying on a loan proposed by another corrupt loan agency. Ain’t gonna work with no other again, but Scott!
5-1
Emiliano Elizondo
I tried 2other lenders that denied me.daniel got it done.i really appreciate the professionalism.after being denied twice couldent have done without.I highly recommend Texas United mortgage.
6-1
Christina Poswiatowsky
We are just starting our process to buy a home in TX. We are moving from VA so this is a very big step for us. We have had several questions on the process and this company has been able to answer the questions we have so far and are very helpful and informative.
7-1
Mark Kynard
I thought the presentation was very informative. The technology we discussed was amazing and it appears to be easy to use.
8-1
Abide Masaraure
These guys helped us get our first home. I worked with Daniel Ganoe and his team from loan preapproval until the final approval . He was able to help me overcome any challenges that I was having throughout the application process. They have an easy to use online application portal, which makes it easy to upload documents and resubmit documents. Texas United Mortgage kept updated on the progress of the application. If you are a first time home buyer, I highly recommend you to try out these guys.
9-1
Katherine Martinez
Daniel was awesome! Out of all the different mortgage companies I tried, he was the only one willing to help. He guided me every step of the way, thank you!
10-1
Betty Poston
Reef, Scott & Claudia are an amazing team to work with! As a real estate agent, it is imperative that your clients feel comfortable about the loan process. The level of service provided kept my clients informed and worry free - terrific job everyone!!
1-1
Natalie Witherspoon
Daniel Ganoe made the purchasing of our home in Texas easy. I did not know what to expect since I was purchasing a home out of state. Daniel kept us informed and updated twice a week. He answer all of our question. He return texts and calls promptly. Very respectful and professional. If you looking for a fantastic and professional mortgage broker Dan is the man.
2-1
Kevin Browder
I like to thank Texas Mortgage Company for the great job they did towards purchasing my new home thanks a lot to everyone who helped me out
3-1
Lincy Pillai
Reef & Joy were absolutely, hands down amazing! Reef has been working the numbers with my husband for MONTHS and even accommodated to my husband’s work schedule & called after hours. Joy worked diligently & responded so quickly. We are ever so grateful for their patience & the magic they pulled right before closing. We highly recommend that everyone uses Texas United Mortgage.
4-1
Kumar Mukherjee
Hands down trust worthy, professional and efficient. Saved me from overpaying on a loan proposed by another corrupt loan agency. Ain’t gonna work with no other again, but Scott!
5-1
Emiliano Elizondo
I tried 2other lenders that denied me.daniel got it done.i really appreciate the professionalism.after being denied twice couldent have done without.I highly recommend Texas United mortgage.
6-1
Christina Poswiatowsky
We are just starting our process to buy a home in TX. We are moving from VA so this is a very big step for us. We have had several questions on the process and this company has been able to answer the questions we have so far and are very helpful and informative.
7-1
Mark Kynard
I thought the presentation was very informative. The technology we discussed was amazing and it appears to be easy to use.
8-1
Abide Masaraure
These guys helped us get our first home. I worked with Daniel Ganoe and his team from loan preapproval until the final approval . He was able to help me overcome any challenges that I was having throughout the application process. They have an easy to use online application portal, which makes it easy to upload documents and resubmit documents. Texas United Mortgage kept updated on the progress of the application. If you are a first time home buyer, I highly recommend you to try out these guys.
9-1
Katherine Martinez
Daniel was awesome! Out of all the different mortgage companies I tried, he was the only one willing to help. He guided me every step of the way, thank you!
10-1
Betty Poston
Reef, Scott & Claudia are an amazing team to work with! As a real estate agent, it is imperative that your clients feel comfortable about the loan process. The level of service provided kept my clients informed and worry free - terrific job everyone!!
07

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New Home Loans

Owner Occupied, Vacation Homes and Rental Property Purchases

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02

Texas Mortgage Refinance Experts

Owner Occupied, Vacation Homes and Rental Property Purchases

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03

Texas Conventional Home Loans

Owner Occupied, Vacation Homes and Rental Property Purchases

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04

Texas FHA Loans

Owner Occupied, Vacation Homes and Rental Property Purchases

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Dig Deeper: Key Jumbo Loan Insights for Texas Buyers

Check Your Credit Score and Assets

Most lenders require a 740+ credit score and significant liquid reserves. Higher scores and assets can secure better jumbo rates.

Understand Loan-to-Value (LTV) Limits

Jumbo loans often cap LTV at 80%. A larger down payment lowers your rate and may eliminate private mortgage insurance.

Compare Fixed vs Adjustable-Rate Options

Fixed-Rate Jumbo Loans lock your rate for 15 or 30 years.
ARM Jumbos offer lower initial rates but can adjust after 5 or 7 years.

Know Your Debt-to-Income (DTI) Requirements

Most jumbo lenders want a DTI under 43%, though strong compensating factors (cash reserves, low LTV) can provide flexibility.

Factor in Rate Lock and Float-Down Features

Lock your rate for 30–60 days to protect against market swings. Ask about a float-down option if rates drop before closing.

Prepare Extensive Documentation

Jumbo underwriting demands two years of tax returns, W-2s, bank statements, and proof of reserves—start gathering early.

Explore Portfolio vs Agency Jumbo Loans

Agency Jumbos follow Fannie Mae/Freddie Mac guidelines and may offer lower rates.
Portfolio Jumbos are held by lenders, allowing more flexible terms.

Consult a Jumbo Loan Specialist

Tackling high-balance financing is tough - but we're here to help you get you the best jumbo terms in Texas.