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HoustonMortgage.com offers a full range of non-conforming and conventional conforming home loans, including fixed and adjustable rate mortgage loan products, balloon products, and even interest-only programs to meet the purchase or refinance needs of our borrowers.  For larger mortgage loan amounts, we have jumbo mortgage loans up to $2,000,000.

What is a Jumbo Loan?

A mortgage loan that exceeds the conforming mortgage loan amount of $400,000. Remember, this is the mortgage loan amount...not the value of the house. If you will be borrowing less than $400,000 please visit our home page for information on our other great mortgage loan programs.

We understand the needs of the "jumbo borrower" and offer a wide range of mortgage loan products to ensure we meet all of your mortgage loan needs. You can expect fast, professional service from years of experience.  We will explain all of your mortgage loan options and keep you updated every step of the way.  Call us today!  We look forward to speaking with you about your mortgage loan needs.  Below you will find a list of Jumbo loan options that you may or may not be aware of.  If you have heard of a mortgage loan option that we do not have listed here, just give us a call, chances are good that we have it.

Jumbo Loan Options:

(Most of these options are also available on loan amounts below $400,000)

Reduced Documentation Loans

• Minimum 5% down payment on purchase
• Salaried or Self-Employed borrowers
• Income and Employment stated - but not verified
• Primary residence or second home
• All loan programs (excluding 100% mortgage loans)

• Minimum 5% down payment on purchase
• Good credit required
• No calculation of debt or income ratios
• No income disclosure or verification
• Salaried or Self-Employed borrowers
• Primary residence or second home
• All loan programs (excluding 100% mortgage loans)

• Minimum 20% down payment on purchase
• Excellent credit required
• No income or employment verification
• Salaried or Self Employed
• Primary Residence

• Minimum 5% down payment on purchase
• All loan programs (excluding 100% mortgage loans) 
• Reduced Documentation Programs available

• Minimum 10% down payment on purchase
• All loan programs (excluding 100% mortgage loans)
• Reduced Documentation Programs available

• Minimum 20% down payment on purchase
• Salaried or Self-Employed
• All loan programs (excluding 100% mortgage loans)
• Primary residence, second home, investment property, 2-4 unit property
• Borrower must have social security number
• Must have work visa

HOW CAN YOU GET QUALIFIED?

1) Click here to fill out a Good Faith Estimate.

Now we may get you approved and give you a detailed estimate showing the interest rate offered, the loan amount, the estimated monthly payment, all of the costs of the loan and what they are for, and how much money you will need to close.