Jumbo Loan in Plano, TX
Looking for a jumbo loan near Plano, TX? Harris Capital Mortgage Group is a licensed mortgage lender serving Plano and surrounding areas. Get a free estimate — no hard credit check. NMLS# 1918223.
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Jumbo Loan Near Plano, TX
Texas has no state income tax, which can increase your buying power. Property taxes vary significantly by county — your loan officer will factor in local rates when building your estimate.
Harris Capital Mortgage Group (NMLS# 1918223) is a licensed mortgage lender near Plano, TX serving buyers throughout the TX market. Whether you're searching for a jumbo loan near Plano or anywhere in TX, our loan officers know the local market and will guide you through every step of the process.
Estimates are for informational purposes only and are not a loan approval or commitment to lend. Rates and terms subject to credit approval and change without notice.
Jumbo Loan, Common Questions
What is a jumbo loan?
A jumbo loan is a mortgage that exceeds the conforming loan limit set by the FHFA — $766,550 in most areas for 2024, and higher in designated high-cost markets. Jumbo loans are not backed by Fannie Mae or Freddie Mac.
What credit score do I need for a jumbo loan?
Most jumbo programs require a minimum score of 700–720. Reserves (cash in the bank after closing) are also evaluated more heavily than on conforming loans.
What down payment is required for a jumbo loan?
Down payments typically range from 10–20% for jumbo loans, depending on the loan size and borrower profile. Some high-balance programs allow less with strong compensating factors.