The maximum 2022 conforming mortgage loan limit in Texas is $647,200, 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 sales price of $915,000.

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



As seen on

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 $647,200 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.

CORP NMLS# 237341. American Financial Network, Inc. is licensed by the California Department of Business Oversight under the California Financing Law License (6038771) and holds a CA Bureau of Real Estate, Real Estate Broker’s License (01317581) under Nationwide Mortgage Licensing System (NMLS), unique identifier of 237341. Broker is performing acts for which a license is required. Loans made or arranged pursuant to California Financing Law. Refer to and input NMLS #237341 to see where American Financial Network, Inc. is a licensed lender. In all states, the principal licensed office of American Financial Network, Inc. is 10 Pointe Drive, Suite 330, Brea, CA 92821; Phone: (714) 831-4000 (NMLS ID#237341). This is not an offer for extension of credit or commitment to lend. All loans must satisfy company underwriting guidelines. Not all applicants qualify. Information and pricing are subject to change at any time and without notice. The content in this advertisement is for informational purposes only. Products not available in all areas. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580. American Financial Network, Inc. is an Equal Housing Lender.

Todd McDougall | Producing Branch Manager | NMLS# 302005
Samuel Dude | Producing Branch Manager | NMLS # 299345