Portfolio lenders, private banks, and jumbo specialists for Texas homes above $766,550. Flexible underwriting, competitive rates, and high-balance expertise.
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Jumbo loans in Texas start at $766,550 (2025 conforming limit). Above that threshold, you’re navigating portfolio lenders, private banks, and specialty programs with underwriting that agency lenders can’t match. Self-employed? Foreign national? Complex income? Portfolio lenders hold loans instead of selling them—enabling manual underwriting, bank statement income, and asset-based approval that rigid agency guidelines reject.
The challenge: most borrowers shop only 1–2 jumbo lenders and miss better rates, flexible terms, and reserve-friendly programs. Portfolio lenders compete aggressively in Texas luxury markets (Dallas, Houston, Austin, San Antonio). Shopping 3–4 lenders uncovers relationship pricing, private banking discounts, and compensating factor flexibility that saves thousands monthly on million-dollar loans.
Use the Browse Lenders® Texas jumbo directory to compare portfolio lenders, private banks, and specialty jumbo programs. Check your middle credit score to understand tier pricing (740+ unlocks best jumbo rates). Run reserve scenarios to see how cash holdings affect approval and LTV limits. No teaser rates, no bait-and-switch—just transparent jumbo lending for Texas luxury buyers.
Compare portfolio lenders. Understand reserves. Lock with confidence.
Portfolio, conforming jumbo, and super-jumbo programs for luxury Texas properties.
High-balance conforming loans for expensive Texas metros. Lower rates than super-jumbo, flexible credit (700+), and 10%–20% down options.
Portfolio and private bank financing for ultra-luxury Texas properties. Custom underwriting, asset-based approval, and relationship pricing for high-net-worth clients.
Specialty jumbo programs for foreign nationals, vacation homes, and investment properties. Non-resident approval, asset depletion, and portfolio flexibility.
Jumbo lending demands specialized expertise. Portfolio lenders offer flexibility that agency guidelines can't match.
Compare Jumbo LendersUnderstand underwriting, reserves, and portfolio lender advantages.
Cash reserves (6–12 months PITI), debt-to-income flexibility, and compensating factors that help high-earners qualify.
Portfolio lenders hold loans vs. selling to agencies—more flexibility for self-employed, foreign nationals, and complex income.
How LTV, credit score, reserves, and property type affect jumbo pricing—and why relationship banking cuts rates.
Alternative income documentation for self-employed, retirees with large portfolios, and business owners with complex tax returns.
Jumbo loans in Texas start at $766,550 (2025 conforming limit). Above that, you need lenders with portfolio expertise, flexible underwriting, and competitive high-balance pricing.
Learn how to:
No teaser rates, no bait-and-switch—just transparent jumbo lending for Texas luxury buyers.
Compare portfolio lenders, understand reserve requirements, and lock with confidence.
Real jumbo approvals and rate wins.
"Self-employed, complex K-1 income. Portfolio lender used bank statements and approved $1.2M in 21 days."
Verified Dallas Buyer
"Portfolio approval"
"Shopped 4 jumbo lenders. Private bank matched best rate and waived appraisal fee ($2,500 savings)."
Verified Houston Luxury Buyer
"Private banking win"
"$2.5M loan, foreign national. Asset-based jumbo program approved with 30% down, no U.S. credit."
Verified Austin Investor
"Foreign national approval"
"Credit union jumbo rate 0.375% below big banks. Saved $540/month on $1.8M loan."
Verified San Antonio Buyer
"Credit union jumbo win"
"Needed 80% LTV jumbo. Portfolio lender approved with compensating factors (760 credit, 18 months reserves)."
Verified Texas Homebuyer
"High LTV jumbo approval"
"Transparent reserve guidance, flexible underwriting, and competitive pricing. No pressure, no surprises."
Verified Houston Homeowner
"Clear jumbo process"
Portfolio flexibility, relationship pricing, and high-balance expertise.
Jumbo loans demand lenders who understand complex income, asset verification, and luxury property appraisal. Portfolio lenders and private banks offer flexibility that agency lenders can't match.
Education-first approach: understand reserves, LTV pricing, and how relationship banking cuts rates on multi-million-dollar properties.
Portfolio lenders hold loans instead of selling to agencies—enabling manual underwriting for self-employed, foreign nationals, and complex income.
Relationship banking, large balances, and cross-selling drive better jumbo pricing than advertised conforming spreads suggest.
Jumbo lenders require 6–12 months PITI in reserves. Smart structuring preserves liquidity while meeting requirements.
Employers with executive teams and high-earners can add jumbo lending education and lender access to financial wellness programs—helping employees navigate complex underwriting and secure competitive rates.
Portfolio lender access Connect employees with Texas jumbo specialists and private banks for flexible underwriting.
Reserve planning education Teach employees how to structure assets to meet 6–12 month PITI reserve requirements.
Jumbo rate transparency Help teams compare portfolio lenders and understand credit tier pricing.
Jumbo lenders price in tight credit tiers. Moving from 720 to 740 can save 0.25%–0.50% APR—worth $200–400/month on a $1M+ loan.
Jumbo Credit Tiers
760+ gets best jumbo pricing; 740–759 adds 0.125%–0.25%; 720–739 adds 0.375%–0.625%; below 700 faces steep pricing or denial.
Monthly Payment Impact
On a $1.5M jumbo, moving from 725 to 750 credit saves $200–300/month.
Reserve & Credit Synergy
High reserves (12+ months PITI) can offset lower credit (700–720). Portfolio lenders weight compensating factors.
Portfolio lending, underwriting, and jumbo rate strategy.
Cash reserve requirements for Texas jumbo loans: how lenders count liquid assets, retirement accounts, and investment portfolios for 6–12 month PITI reserves.
Read MorePortfolio lenders hold jumbo loans vs. selling to agencies—enabling flexible underwriting for self-employed, foreign nationals, and complex income. Compare pros/cons.
Read MoreTexas jumbo mortgage rate pricing explained: how LTV, credit score tiers, reserves, and private banking relationships affect jumbo APR and monthly payments.
Read MoreCommon questions about jumbo loans and portfolio lenders.
Find portfolio lenders, private banks, and jumbo specialists with flexible underwriting and competitive rates.