(214) 945-1066

Jumbo Home Loan

How To Get The Best Texas Jumbo Mortgage

A jumbo home loan is defined as a loan whose loan amount exceeds the Fannie Mae conforming loan limit. In Plano Texas, the conforming loan limit is $647,200 for 2022. The Richard Woodward Mortgage Team is well versed in handling the special needs of luxury home buyers. Buyers will receive the concierge service one should expect from a top Plano Texas mortgage professional. Discriminating luxury homebuyers can rest assured that selecting The Richard Woodward Mortgage Team to handle your Texas jumbo home loan needs is always the right choice.

  • Most jumbo home loans will not even require tax returns for w-2 buyers.
  • 21-30 day closings
  • Credit scores as low as 600
We have the best Jumbo home loan options

We have the best Jumbo home loan options

The Best Jumbo Home Loan for your luxury home. Call now (214) 945-1066

Give us a call or email us today to discuss available jumbo home loan options. We offer jumbo mortgages up to $3,000,000. Jumbo Mortgage rates – we have the best!
• 15 Year Fixed
• 30 Year Fixed
• 3,5,7,10 Year ARM

Receive the best loan options in the market today with as little as 5 percent down payment depending on the loan size. The lowest rates require documentation of the last 2 years’ income with W-2’s and Tax Returns. Unlike the large banks, we have very flexible options for luxury home buyers with large cash assets.

We have even more flexible options available for self-employed borrowers with large tax write-offs.  Jumbo loans up to $3,000,000 using bank statements as income.  Learn mortgage about our bank statement home loans here.  We also offer No Income Verified Home Loans up to $3,000,000.  

Need a larger loan with a smaller rate and lower payments? Finding the right Jumbo Home Loan can be difficult. Let the experts at Nexa Mortgage - Richard Woodward do the work for you. Purchasing or refinancing? We can help you with fixed and variable rate Jumbo loans for mortgages that exceed Fannie Mae or Freddie Mac conforming loan limits.

Why choose a Texas Jumbo Loan through Nexa Mortgage - Richard Woodward?

Getting a Jumbo loan at a lower rate doesn’t have to be a hassle. Our experienced loan officers can quickly help you find the loan that is right for you.

• Primary home loans up to $3,000,000
• Vacation home loans up $1,500,000
• Condo home loans up to $1,000,000
• Investment property loans up to $1,000,000

How We Make Qualifying Easier

Bank Statement (Perfect For Self-Employed Borrowers)

•Up to 90% LTV, no MI
•Credit scores starting at 640
•2 years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu
•12 or 24 months business bank statements (must own at least 50%of the business past two years)
•12 or 24 months of personal bank statements(must own at least 25% of the business past two years)
•Loans up to $3 million(minimum loan $150,000)
•2 years self-employed required
•No tax returns required
•Purchase and cash-out or rate-term refinance
•1099 option available
•40 year fixed rate interest only available
•Non-warrantable condos OK

Platinum Jumbo

•Up to 95% LTV, No MI
•Credit scores starting at 660
•Loans up to $3 million(minimum loan $250,000)
•Owner-occupied, 2nd homes and non-owner occupied
•4 years seasoning for foreclosure, short sale, bankruptcy or DIL
•Full doc only
•Purchase and cash-out or rate-term refinance
•DTI to 40/50%
•40 year fixed rate interest only available

A Return to Common-Sense Underwriting- No Income Verified

A return to common-sense underwriting. This innovative product addresses the regulatory rules limiting prime borrowers’ access to lending by eliminating unnecessary documents that are not part of the credit underwriting decision.

CDFI BadgeThis Mortgage was designed to fill the void and address the issues limiting prime, credit worthy borrowers’ access to credit through common sense underwriting. This exclusive mortgage product is unique in the marketplace.

  • Primary Residence and Second Homes
  • Credit Underwritten Based on LTV, FICO, and Liquidity
  • Income Documentation Not Required
  • Income Not Stated
  • Debt-to-Income (DTI) Not Calculated
  • Asset Seasoning 30 Days
  • Loan Amounts Up to $3 Million
  • Up to 80% LTV Purchase/Rate & Term
  • FICO Beginning at 640
  • Reserves from 3 Months

We make it easy to get started. Get started online now or call us at (214) 945-1066.

Disclaimer: Loan underwriting requirements are subject to change at any time. Additional requirements or conditions may be applicable based upon a particular borrower’s credit or financial profile.

Contact Us

Nexa Mortgage - Richard Woodward
7820 Hague Ct
Plano, TX 75025
Phone: (214) 945-1066

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Richard Woodward
Branch Manager
NMLS #217454
Company Licensing
Company State License#
AZMB - 0944059
NMLS# 1660690

Equal Housing Lender