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A jumbo loan is a mortgage that exceeds conforming loan limits set by Fannie Mae and Freddie Mac (currently $766,550 in most areas). It’s used to buy or refinance high-priced homes that need more than standard financing.

A USDA loan is a government-backed mortgage that offers 100% financing, low interest rates, and reduced mortgage insurance. It’s available to buyers purchasing a primary residence in designated USDA-eligible locations.

A rehab loan allows you to finance both the purchase (or refinance) of a home and the cost of renovations with a single mortgage. These loans are often backed by the FHA or offered through specialized renovation programs.

A DSCR loan is a mortgage designed for real estate investors who want to qualify using the income from their rental property—not their tax returns, pay stubs, or W-2s. Instead of personal income, lenders use your property's Debt-Service Coverage Ratio to determine eligibility. That means if the rent covers the mortgage, you may qualify.

A fix & flip loan is a short-term real estate loan used to purchase and renovate an investment property—typically to sell it quickly for a profit. It's asset-based, meaning approval depends more on the property's potential than your personal income.

A HELOC is a revolving line of credit secured by your home. It works like a credit card—you draw funds when needed and only pay interest on what you use. Great for ongoing expenses like renovations, tuition, or emergency cash flow.

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Texas Mortgage Disclosure: Consumers wishing to file a complaint against a mortgage banker or licensed residential mortgage loan originator should contact the Texas Department of Savings and Mortgage Lending (SML). Visit [www.sml.texas.gov](https://www.sml.texas.gov) for instructions and to obtain a complaint form. Mailing Address: 2601 North Lamar, Suite 201, Austin, TX 78705 • Toll-Free: 1-877-276-5550 (Required per 7 TAC §80.200(b))

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