Jumbo Loans

Jumbo Loans in Austin, TX

Austin’s housing market regularly pushes past the conforming loan limit — for 2026, any loan above $832,750 in Travis or Williamson County is a jumbo loan. Jumbo pricing and guidelines vary more between lenders than any other loan type, which is exactly where a broker earns their keep.

What to Expect

Jumbo loans typically ask for stronger credit (often 700+), larger reserves, and down payments starting around 10–20%, though low-down-payment jumbo options exist for well-qualified borrowers. Full documentation of income and assets is standard.

How 360 Approaches Jumbo

Because each wholesale lender sets its own jumbo appetite, the difference between the best and worst quote on the same borrower can be substantial. We price your scenario across our lender network — banks, credit unions, and specialty jumbo investors — and present the real numbers. For loan amounts just over the limit, we’ll also model piggyback structures (a conforming first plus a second lien) that sometimes beat straight jumbo pricing.

Start Your Application   Questions? Contact Don directly

360 Lending Group, LLC — NMLS 266484. This information is for general education and is not a commitment to lend or a rate quote. Loan programs, limits, and terms are subject to change and to borrower qualification. Figures cited are 2026 limits and may differ by county and property type.