This may be a good fit if...
- You are buying or refinancing a higher-value home in Texas.
- Your loan amount is above conforming loan limits.
- You have strong credit, documented income, and sufficient assets or reserves.
Who it may not be ideal for
- You are looking for a low-documentation loan with minimal reserves.
- Your purchase price or loan amount fits within standard conforming limits.
- Your income or assets need more flexible underwriting than jumbo guidelines allow.
Common documentation needed
- Government-issued photo ID
- Income documentation such as pay stubs, W-2s, tax returns, or business income records
- Bank, brokerage, retirement, and reserve statements
- Credit authorization
- Property details, purchase contract, or current mortgage statement
Important disclaimer
Loan approvals are subject to credit approval, underwriting guidelines, property approval, and program requirements. Not all applicants will qualify.