40 Year Jumbo Mortgage Loans in Texas

1. Lower Monthly Payments

The most immediate advantage of a 40-year term is reduced monthly payment pressure. By extending the amortization period, borrowers can often lower their payment substantially compared to a 30-year Jumbo loan—without needing to reduce the loan amount or put more money down.

This can be especially helpful for:

  • High-income professionals
  • Buyers purchasing luxury or custom homes
  • Families prioritizing monthly cash flow
  • Self-employed borrowers with variable income

2. Interest-Only Options for Maximum Cash Flow

Texas Premier Mortgage also offers 40-year Jumbo interest-only options, allowing qualified borrowers to pay interest only for a set period before the loan begins amortizing.

Interest-only Jumbo loans can be ideal for borrowers who:

  • Want the lowest possible initial payment
  • Expect income growth over time
  • Plan future investments, bonuses, or liquidity events
  • Prefer to allocate cash toward business, investments, or savings

These programs offer flexibility without locking borrowers into permanent interest-only structures.

3. Competitive Credit and LTV Requirements

Despite the flexibility, these Jumbo programs maintain strong lending standards that still allow many borrowers to qualify:

  • Minimum FICO scores as low as 680 on select 40-year options
  • Maximum LTV/CLTV up to 80% on 40-year Jumbo products
  • Up to 89.99% LTV available on certain 30-year Jumbo tiers
  • DTI up to 50%, subject to automated underwriting approval

This makes the program accessible to well-qualified borrowers who may not meet ultra-conservative bank jumbo requirements.

4. Flexible Reserve Requirements

Reserve requirements are an important consideration in Jumbo lending. Many of the new Jumbo products at Texas Premier Mortgage feature reserves determined by DU or LP automated underwriting, rather than rigid fixed requirements.

Some products require as little as six months of reserves, while others are determined case-by-case based on overall borrower strength. This flexibility can make a major difference for buyers who prefer not to tie up excessive liquid assets.

5. Jumbo Loans Designed for Real-World Borrowers

Unlike traditional big-bank Jumbo loans that often come with strict overlays, Texas Premier Mortgage focuses on real-world lending solutions. These new Jumbo programs are ideal for:

  • Executives and professionals
  • Business owners and self-employed borrowers
  • Move-up buyers upgrading into larger homes
  • Buyers relocating to Texas
  • Borrowers seeking payment flexibility without compromising loan size

With loan amounts up to $5 million, these options open doors to higher-priced homes while maintaining financial breathing room.

Why Choose Texas Premier Mortgage?

Texas Premier Mortgage is a community-driven Texas Mortgage Brokerknown for creative loan solutions, direct access to multiple wholesale lenders, and personalized service. Unlike retail banks, we shop the market on your behalf to find the best Jumbo structure for your goals, not just the most basic option.

Our team understands that Jumbo borrowers are not one-size-fits-all. That’s why we take the time to analyze:

  • Income structure
  • Asset strategy
  • Long-term financial plans
  • Short-term cash-flow needs

Whether you’re looking for a 40-year fixed Jumbo, a 40-year interest-only option, or a traditional 30-year Jumbo, we’ll help you choose the structure that fits your life—not the other way around.

Explore a 40 Year Jumbo Mortgage

The new 40-year Jumbo mortgage options from Texas Premier Mortgage represent a major step forward in flexible, borrower-focused Jumbo lending. With lower payments, interest-only options, competitive credit requirements, and loan amounts up to $5 million, these programs are designed to help buyers confidently purchase higher-priced homes while keeping monthly obligations manageable.

If you’re considering a Jumbo mortgage in Texas and want to explore whether a 40-year or interest-only option makes sense for you, Texas Premier Mortgage is ready to help.

More options. More flexibility. Smarter Jumbo lending—only at Texas Premier Mortgage.

How Do I Get Started?
For more information about Jumbo loans, their benefits and loan options and how it may apply to you, please contact us direct or submit the “Quick Quote” form on this page.

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