Luxury Mortgage Financing · Texas & Oklahoma · NMLS #258314
Super Jumbo Loans
for Texas Luxury Homes
Financing for custom home builds, luxury purchases, and refinances above $2 million. Darren Davey specializes in super jumbo construction loans and portfolio lending that traditional banks simply cannot accommodate.
Understanding Super Jumbo Loans
What Is a Super Jumbo Loan?
A super jumbo loan is a mortgage that exceeds standard jumbo loan limits, typically financing properties valued above $2 million. While conventional and standard jumbo lenders cap out at certain thresholds, super jumbo financing is designed specifically for high-net-worth borrowers purchasing or building luxury estates, equestrian properties, and expansive custom homes throughout Texas.
Not all lenders and banks play in this space. Most traditional lenders lack the portfolio capacity, underwriting flexibility, or experience to underwrite loan balances that can reach $3 million to $5 million and beyond. Darren Davey specializes in the complex financial profiles that super jumbo transactions require.
Whether you are building a custom estate in Preston Hollow, purchasing a lakefront home on Lake Travis, or refinancing a luxury property in Westlake, super jumbo financing provides the capital necessary to fund your vision without the limitations of conventional lending.
Why Darren for Super Jumbo
Built for High-Net-Worth Borrowers
Super jumbo lending requires a fundamentally different approach than conventional mortgages. Here is what sets Darren apart.
Portfolio Lending Flexibility
Access portfolio programs that many lenders cannot offer, enabling loan structures tailored to complex borrower profiles and high-balance transactions.
Loans Up to $5M+
Darren has the lending relationships and portfolio capacity to finance super jumbo projects well beyond conventional limits.
Complex Income Expertise
Self-employed borrowers, business owners, and high-net-worth individuals receive sophisticated analysis of asset-based income, multiple entities, and investment portfolios.
Construction & Purchase
Super jumbo One-Time Close construction loans let you build a luxury custom home with a single closing, or finance an existing luxury purchase.
Texas Market Specialization
Deep expertise in Texas luxury markets including Preston Hollow, Highland Park, Westlake, Southlake, Lake Travis, and The Woodlands.
26 Years of Experience
Since 2000, Darren has navigated every type of mortgage transaction, giving high-net-worth clients confidence that their financing is handled with precision.
Super Jumbo Construction Loans
Building a $2M+ Custom Home?
A super jumbo One-Time Close construction loan combines construction financing and permanent financing into a single loan with one closing. This is particularly valuable for luxury builds, where construction costs can reach several million dollars and re-qualifying for a permanent mortgage after construction could be complicated.
With a One-Time Close, you lock in your permanent financing upfront, pay only one set of closing costs, and eliminate the risk of interest rate changes or qualification issues between construction completion and permanent financing. The lender funds the builder through a draw schedule, and the loan seamlessly converts to a permanent mortgage once the home is complete.
For super jumbo construction projects, Darren offers portfolio construction-to-permanent lending that accommodates large loan balances, custom builder contracts, architectural specifications, and the complex financial profiles that luxury builds demand.
What We Finance
Super Jumbo Property Types
Custom luxury home construction in Preston Hollow, Highland Park, and Westlake
Lakefront estates on Lake Travis, Lake Austin, Lake Texoma, and Cedar Creek Lake
Equestrian properties and ranchettes in North Texas and the Hill Country
Luxury high-rise condos and penthouses in Dallas and Houston
Large-scale home remodels and renovations exceeding $2 million
Refinances and cash-out transactions for existing luxury properties
Second homes and vacation properties throughout Texas and Oklahoma
Farm and ranch luxury compounds with residential and agricultural components
FAQ
Super Jumbo Loan Questions
What loan amount qualifies as a super jumbo loan?
While jumbo loans typically start above conforming loan limits ($832,750 in most areas for 2026), super jumbo loans generally refer to loan amounts above $2 million. Darren has the lending relationships and portfolio capacity to structure financing for luxury properties well beyond that threshold.
Can I get a super jumbo construction loan?
Yes. Darren specializes in super jumbo One-Time Close construction loans that finance both the construction phase and permanent mortgage in a single loan. This is ideal for luxury custom home builds above $2 million, where the complexity of a two-close process could create qualification challenges.
What income documentation is needed for a super jumbo loan?
Super jumbo lending often involves complex borrower profiles, including self-employed individuals, business owners, and those with multiple income sources. Darren uses portfolio underwriting that can accommodate asset-based income, investment returns, and non-traditional documentation that standard lenders cannot process.
Why don't all lenders offer super jumbo loans?
Super jumbo loans require significant portfolio capacity, specialized underwriting expertise, and the ability to hold or place large-balance loans. Most traditional banks and lenders lack these capabilities. Darren offers both portfolio and secondary market programs, giving high-net-worth clients access to financing solutions that many lenders are not positioned to provide.
Ready to Finance
Your Luxury Home?
Contact Darren today to discuss your super jumbo financing needs, whether you are building a custom estate, purchasing a luxury property, or refinancing an existing home. With 26 years of expertise, he will find the right solution.