Teksas 2023'te bir Jumbo Kredisi nedir?

When it comes to purchasing a home, buyers may find it difficult to find financing beyond the conforming loan limit. If this is the case, you may need a jumbo loan.

Jumbo kredi nedir?

A jumbo loan is a type of mortgage that’s designed to help you finance the purchase of a home that exceeds the conforming loan limits set by the Federal Housing Finance Agency. In Texas, this type of loan is often needed for high-end homes or properties located in expensive housing markets like Dallas. With a jumbo loan, you can get the financing you need to buy your dream home, even if it’s more expensive than what a traditional mortgage can finance.

If the loan amount needed to buy the home is more than the conforming loan limit, you’ll need a jumbo loan. But because of the larger loan amounts and increased risk for lenders, Texas jumbo loans often come with higher interest rates and stricter requirements than conventional loans. For instance, a larger down payment and a higher credit score may be required to qualify for a jumbo loan.

What is the jumbo loan limit in Texas?

In Texas, the conforming loan limit is $726,200 across all counties. So, for example, if you’re buying a home in Harris Countymedyan satış fiyatının 312,000 $ olduğu durumda, 726,200 $'ı aşan bir kredi limiti büyük bir kredi olarak kabul edilir.

As a reminder, the loan amount is what determines whether or not you’ll need a jumbo loan, not the price of the home. So, if you were to put $100,000 down on a $780,000 home in Cypress, the loan would be $680,000, which is under the conforming loan limit for this area. In this case, you would not need a jumbo loan.

For more information on the conforming loan limit in your county, refer to the FHFA haritası. 

What are the requirements for a jumbo loan in Texas?

To qualify for a jumbo loan in Texas, borrowers must meet stricter requirements than they would for a conforming loan. Each lender may have different requirements or processes, but below are the typical requirements for borrowers seeking a jumbo loan.

Daha yüksek kredi puanı: In order to be eligible for a jumbo loan in Texas, lenders generally expect homebuyers to have a credit score of at least 720. While some lenders may consider a score as low as 660, a credit score of less than that is typically not accepted.

Daha büyük peşinat: Jumbo loans usually require larger peşinatlar than conventional mortgages. Generally, lenders require a down payment of at least 20% of the home’s purchase price to qualify for a jumbo loan. However, some lenders may require a higher percentage, depending on the borrower’s creditworthiness and overall financial situation. Don’t forget that larger down payments can help to reduce monthly mortgage payments, as well as overall interest costs over the life of the loan.

Daha fazla varlık: Bir jumbo krediye hak kazanmak için, borç verenler, borçluların en az bir yıllık kredi ödemelerini karşılamak için yeterli likit varlıkları veya tasarrufları olduğunu göstermelerini ister. İhtiyaç duyulan varlıkların tam miktarı, borç verene ve kredinin büyüklüğüne bağlı olarak değişebilir, ancak daha fazla varlığa sahip olmak, onay şansını artırabilir ve potansiyel olarak daha iyi şartlar ve faiz oranları sağlayabilir.

Düşük borç-gelir oranı (DTI): When applying for a non-conforming loan, Texas lenders typically look for a borrower with a borç-gelir oranı (DTI) %43'ün altında. İdeal olarak, %36'ya yakın veya daha düşük bir DTI tercih edilir. DTI, tüm aylık borç ödemeleri toplamının brüt aylık gelire bölünmesiyle hesaplanır. Daha düşük bir DTI, borçlunun ek ipotek ödemeleri alırken mevcut borç yükünü yönetme becerisini gösterir. Ayrıca, daha fazla finansal istikrar ve büyük kredileri için zamanında ödeme yapma becerisini gösterir.

Ek ev değerlendirmeleri: A ev ekspertizi is required whenever a homebuyer receives financing for their home purchase. However, for jumbo loans, your lender may require an additional appraisal.

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• Kaynak: https://www.redfin.com/blog/what-is-a-jumbo-loan-in-texas/