Austin's luxury market starts above $800K — expert jumbo financing for serious buyers.
Austin's median home price sits around $550,000 — and the luxury market starts significantly above that. Westlake, Barton Hills, Tarrytown, Rollingwood, and the prime East Austin neighborhoods consistently trade above $800,000, well into jumbo territory. I specialize in Austin jumbo loans for tech executives, founders, and high-income professionals whose income includes RSUs, equity, bonuses, and 1099 consulting income. These income types require specialized handling to get counted correctly in jumbo underwriting.
Austin tech executives who receive significant equity compensation should understand that jumbo lenders scrutinize income continuance carefully. Documentation of future vesting schedules and employer stock purchase plans matters. Get your comp documentation organized before applying.
Austin jumbo approvals for tech compensation require a detailed income memo that explains RSU vesting, bonus history, and base salary components. I build this document proactively — before the underwriter asks for it — which dramatically speeds up approval and prevents conditions.
Austin jumbo rates are competitive with national market rates. Well-qualified borrowers (760+ credit, 20%+ down, strong reserves) often achieve rates within 0.125–0.25% of conforming rates. I shop 8–10 jumbo lenders including portfolio lenders, private banks, and correspondent lenders to find the best pricing.
Loans above $806,500 are jumbo in Travis County (2025). Most jumbo programs require 20% down at this level — on an $850K home, that's $170K. Some lenders allow 10% down up to $1.5M for exceptional borrowers. Above $2M, 25–30% down is typical.
Liquid investment accounts (brokerage, retirement) count as reserves. Cryptocurrency is handled differently — some jumbo lenders accept crypto as reserves at a discounted percentage (50–70% of current value). It needs to be converted to USD or held in a qualifying exchange account with clear documentation.
Yes — interest-only jumbo loans are available and can make sense for high-income buyers who want to maximize monthly cash flow while expecting income growth. IO periods are typically 5–10 years, then convert to fully amortizing. I work with lenders who offer IO jumbo in the Austin market.
Austin prices are high — but FHA with down payment assistance is still your fastest path to owning.
Learn More →Austin prices are high — VA with zero down and no PMI is how veterans stay in the game.
Learn More →From 3% down starter loans to move-up jumbo-adjacent financing — conventional covers Austin's range.
Learn More →Free consultation. I'll tell you exactly what you qualify for in Austin and what your real monthly payment will be. Pre-approval in 24 hours.
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