Luxury · Texas
Jumbo Home Buyer in Texas
Buying above the conforming limit in Texas? Get white-glove jumbo financing up to $5M with portfolio and bank-statement options.
Common challenges we solve
- Conforming limits too low for the home you want
- Complex income structures (RSUs, bonuses, K-1s)
- Demanding closing timelines
What you get with Lumos
Jumbo to $5M+ (super-jumbo by quote)
RSU, bonus, and K-1 income recognized
Asset-based options for portfolio buyers
What's different in Texas
On a Texas jumbo, the property-tax bill is often one of the biggest monthly costs because taxes scale with value; the homestead exemption and the 10% annual cap on homestead appraisal increases help once you live there. Texas has no state income tax, which helps high earners' take-home pay.
Loan programs that typically fit
Frequently asked
- How much down on a jumbo?
- Down payment requirements vary by program — we'll show you your options.
- Can RSUs count as income?
- Yes — with a 2-year vesting history and continuing schedule.
