Jumbo Loans
Jumbo Loans in Austin & Central Texas
If you're buying a high-end home in the Austin metro area — especially in neighborhoods like Westlake, Downtown Austin, Lake Travis, Steiner Ranch, Avery Ranch, or Dripping Springs — there's a good chance you'll need a jumbo loan to make it happen.
Why Work With Stephanie (aka BestAustinLender) for Your Conventional Loan?
💪 Local mortgage expert with 20+ years in the Austin and Central Texas market
🎯 Custom loan strategies based on your goals, timeline, and financial picture
🚫 No jargon, no fluff — just clear guidance and smart options
📝 Fast pre-approvals to help you stand out in this competitive market
📉 Access to OVER 100 lenders = better rates and more choices
📍 Hyper-local advice to help position your offer (and impress the listing agent)Jumbo Home Loans in Texas
What Are Jumbo Loans?
A jumbo loan is simply a mortgage that exceeds the standard conforming loan limit, which is currently $832,750 in most Texas counties. These loans aren’t backed by Fannie Mae or Freddie Mac, so they come with slightly different rules — and they require a lender who knows how to navigate them smoothly.
At The Donnell Team, we structure jumbo loans for all types of borrowers — from tech execs with RSUs to small business owners, self-employed professionals, and families looking for their forever home. Whether you’re buying your dream home, second home, or investment property, we’ve got you covered with competitive rates, flexible income options, and strategic mortgage planning to fit your financial profile.
Why a Jumbo Loan Might Be Right for You
- You’re buying a home above the $832,750 loan limit in Texas
- You’re looking in high-price areas like Westlake, Lakeway, or Bee Cave
- You have strong income and assets, even if your tax returns are complex
- You want one loan instead of splitting into a 1st + 2nd
- You're financing a second home or investment property
Frequently Asked Questions About Jumbo Loans in Austin
Jumbo loans are a great tool for financing luxury or high-priced homes — but they come with different guidelines. Here's what Austin buyers need to know.
Quick Answers to Help You Decide:
✅ Jumbo loans are for loan amounts above $832,750 (for most of Texas in 2026)
✅ They often require higher credit scores, good down payment and lower debt ratios than conforming loans
✅ You may need reserves (savings after closing) depending on the loan size
✅ Self-employed or bonus-heavy income? We can help structure it for approval
✅ Jumbo loans can be used for primary homes, second homes, or investments
Do jumbo loans have higher interest rates?
What credit score do I need for a jumbo loan?
Can I do a jumbo loan with less than 20% down?
Provided for informational purposes only. This is not a commitment to lend, not all borrowers will qualify.
Not an offer or agreement. Information, rates, & programs are subject to change without prior notice. Not available in all states. Subject to credit & property approval. Not affiliated with any government agency. For licensing information go to: www.nmlsconsumeraccess.org
Edge Home Finance
4413 Spicewood Springs Rd #302 Austin TX 78759
Company NMLS: 891464
Branch NMLS# 2514483
Privacy Policy | Company Licenses | NMLS Consumer Access
REGULATOR:
TX Department of Savings and Mortgage Lending
2601 North Lamar, Suite 201
Austin, TX 78705
Phone: (512) 475-1350
Fax: 512-475-1360
DISCLAIMERS:
Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550.
The department maintains a recovery fund to make payments of a certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originator. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund. Please consult the department’s website at www.sml.texas.gov.
Copyright 2012 Stephanie Donnell