Jumbo Loans

Growing family? Nicer neighborhood? Buying your dream home? Get a Texas-sized mortgage from a trusted Texas lender at a low rate.

Our lending team will help you find a loan that's a perfect fit for your budget and financial needs. Because nice homes come in all sizes, just like our affordable mortgages.


  • Designed for loans that exceed $548,250
  • 90% Loan-to-Value (LTV) maximum, no PMI
  • Choice of loan terms, up to 30 years*
  • Low closing costs
  • Personalized assistance from experienced lending professionals

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and Saturday 10AM - 2PM CT



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972-705-4845


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Exclusive Benefits Include

Low Rates

Our rates are some of the most competitive available for North Texas properties, helping you save money over your loan's term.

Get Prequalified

With one quick phone call, you can find out how much you can afford. That makes your house-hunting less complicated.

Apply Online

Our lending team will help you through the application process. Our digital tools allow you to handle most of your paperwork electronically.

Preferred Realtor Program

Work with one of our preferred professionals and you'll get cash back to reduce your closing costs.

Move Up

When you're ready to upgrade your home, this enhanced mortgage is a smart decision. We're here to help you through the process.

North Texas Experts

We know the local market like nobody else, and we've been a trusted lender here since the 1930s.

The right mortgage is the key to good living.

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Jumbo Mortgage Loans FAQs

For our traditional mortgages, you'll need the standard 10% down payment (no PMI). But your situation might be different. To know for certain, it's best to connect with our mortgage lending team so we can help you find the right home loan for your situation.
A good rule of thumb is to have a mortgage payment that's no more than 28% of your income. Keep in mind, lenders also look at your debt-to-income ratio. If you add up your monthly debts—student loans, credit cards, auto loan payments, etc.—and divide them by your gross monthly income, you'll know your debt-to-income ratio. Most lenders look for a ratio of 36% or less. Use our calculators to see what kind of mortgage you might qualify for, or contact our mortgage lending team for more help.

Along with the down payment and monthly payment, you have:

  • Closing costs, which may be between 1% and 5% of the loan
  • Property taxes
  • Home insurance
  • Mortgage insurance, when the down payment is less than 20%

Plus, as a homeowner, you’re responsible for upkeep and maintenance, so it’s a good idea to have extra money budgeted for those expenses.

Come and see us! A visit with one of our mortgage lending specialists will lead to you getting pre-qualified for a loan. Our mortgage lending team can find out what loan amount you may qualify for and help you pick the best type of loan for the home you hope to buy. They can also help you create a strategy for coming up with a down payment and getting your finances in order for buying a home.

The first step is getting a copy of your credit report. You might be surprised to know that many reports contain errors or old debts that have been paid but not cleared on the report. These errors can drag down your score, so it's important to get them fixed.

Check out our articles on strategies for budgeting and for coming up with a down payment. Improve your debt-to-income ratio by making extra payments to remove debts more quickly. Start a savings plan for a 20 percent down payment.

For advantages, you'll typically have a lower payment option because your payments are spread out over many more years. They also give you the best tax advantage, since interest on home mortgages is often tax-deductible. The best benefit, however, comes with getting a 30-year mortgage* from a lender like CUTX that charges no pre-payment penalty. With a 30-year loan you are obligated to a small payment, but you have the option of paying extra on your premium when you have it. This pays the loan off more quickly, rapidly builds equity, and reduces your overall interest expense. This can help with the biggest disadvantage of a 30-year mortgage, which is the accrual of more interest than with shorter-term mortgages.
You can save thousands of dollars in interest, build equity quickly, and at the end of 15 years you’re virtually free from one of the biggest life expenses. Plus, you can often get a lower interest rate for 15-year* mortgages. On the other hand, that reduces your tax benefit if you’re eligible to deduct the interest from your mortgage. And 15-year mortgage payments are significantly more expensive every month—though not double.

Why CUTX?

I’ve been a member for almost 30 years, I can’t imagine banking anywhere else. You’re more than another account at CUTX, you’re a member, you’re a family.
Elsa H.

Friendly and attentive staff. Paydays come early and the fact that they care for the little guys is definitely my favorite thing about this bank. Definitely the go-to-spot if you’re interested in growing your financial reach.

Xavier H.
I always feel like I’ve been given the best advice for me and my family. They really do put their members first.
Sonya M.

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NMLS #576560 Credit Union of Texas provides mortgage loans through its affiliate Texas Mortgage Lending, LLC, NMLS #1641703. CUTX home loan programs are only available in Texas. Loans are subject to credit approval, CUTX's lending policies, and property approval. Prequalification is not a commitment to lend. Membership required.

*A typical 30-year conforming $250,000 loan with a fixed rate of 2.75% (2.672% APR) would have 360 monthly principal and interest payments of $1,004.13. The payment example is for illustrative purposes only and does not include amounts for taxes and insurance premiums. If applicable, the actual payment obligation will be greater. Rates and terms are subject to change without notice. The rate you may receive will depend on your individual circumstances, including your credit history, loan amount, down payment and CUTX's lending policies.