About Us

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The maximum 2021 conforming mortgage loan limit in Texas is $548,250, for a single-family home. This applies to every county in Texas. We lend on mortgages above the conforming loan limit with as little as 5% down up to a loan amount of $850,000.

Are you looking for a jumbo mortgage putting 5% down?


The preferred way to reach us directly is to submit an inquiry above. Todd, Ali or a team member will call you to discuss your scenario.

We are also available anytime at:  832-639-2589

We're here to answer all of your questions about jumbo mortgages!

Frequently Asked Questions

COVID-19 Update: In these challenging times, we are open for business and serving our clients and communities. 


Because we are a family-owned national direct-lender (meaning we sell loans direct to the government without middlemen), we continue to provide Jumbo, FHA, VA, USDA, and Conventional loans.  

We are still offering 5% down on jumbo and conventional, 3.5% down on FHA, 0% down on VA and USDA, and still offer purchase, refinance and cash-out options. On FHA, VA, and USDA loans we go down to 580 FICO, and 620 FICO on most other products. 
– Mortgage Gurus (Todd & Ali)

A jumbo mortgage is a home loan for an amount that exceeds conforming loan limits established by the federal housing finance agency. The conventional loan limit is $548,250 in Texas.

-Borrowers can now put as little as 5% down up to a $850,000 loan amount.

-Borrowers can now put as little as 10% down up to a $1,000,000 loan amount.

-20% down up to $3,000,000

-Other products available on a case by case basis

-Minimum credit scores of 620 are eligible on some jumbo products.

We specialize in jumbo mortgages in Texas (meaning loan amounts over $510,400). Most conventional lenders require a 20% down payment on these loans. We will work with your situation so you can keep more money in your pocket (for example, with smaller down payments as low as 5%).

These programs are available in all of Texas.

Yes! We lend on jumbo mortgages for self employed borrowers. This includes, for example, business owners, doctors, attorneys, and dentists. Must be in business for at least one year. Your monthly income is calculated based on your monthly bank deposits not your taxes. Refinance options available too!

We now have jumbo mortgage options for buyers with credit scores down to 620! The lower your credit score the more you will need to put down.  Refinance cash options are also available for scores down to 620.

Yes!  We now have no documentation investment jumbo cash out options up 75% LTV.  This means the underwriting approval is based on the property and not your income.  No tax returns are needed.