No Down Payment VA Jumbo Loans
We offer VA Jumbo Loans for eligible military personnel.
VA Jumbo Loan Solutions
A VA Jumbo Loan enables eligible military personnel to finance high-value properties beyond conforming loan limits, offering benefits such as competitive interest rates and no down payment requirement.
No Down Payment Requirement
VA Jumbo Loans often do not require a down payment, making it more accessible for eligible borrowers to finance high-value properties without having to save a significant amount upfront.
Competitive Interest Rates
Due to government backing, VA Jumbo Loans typically have lower interest rates compared to conventional jumbo loans, potentially saving borrowers money over the life of the loan.
No Private Mortgage Insurance (PMI)
Unlike conventional loans, VA Jumbo Loans do not require borrowers to pay private mortgage insurance, which can lead to substantial savings throughout the loan term.
What is a VA Jumbo Loan?
VA Jumbo Mortgages
A VA Jumbo Loan is a mortgage option designed for eligible U.S. military veterans, active duty service members, and certain surviving spouses, allowing them to finance high-value properties above standard conforming loan limits. This type of loan offers competitive interest rates, no down payment requirement, no private mortgage insurance, flexible credit requirements, and no prepayment penalties. Although VA Jumbo Loans provide numerous benefits, borrowers must meet specific service and credit requirements and provide a Certificate of Eligibility to qualify.
We Can Help
While VA Jumbo Loans provide numerous benefits, they have eligibility requirements and funding fees that borrowers must consider. To qualify, borrowers must meet service and credit requirements and provide a Certificate of Eligibility (COE) to verify eligibility for VA loan benefits. For more information or assistance in determining if a VA Jumbo Loan is suitable for your situation, feel free to contact our team of mortgage experts, who are committed to guiding you through the homebuying process and finding the best financing option for your needs.
The Hurst Lending Difference
Funding Choices
Low downpayment options available.
Quick Decisions
With a quick closing and no red tape.
Great Rates
We offer some of the best rates available.
Problem Solving
Creative approaches for unique situations
Competitive VA Jumbo Rates
Our VA jumbo loan rates are competitive, and may even be slightly lower.
Frequently Asked Questions
What is a VA Jumbo Loan?
Who is eligible for a VA Jumbo Loan?
How do VA Jumbo Loans differ from conventional jumbo loans?
What is the current conforming loan limit?
The conforming loan limit is $832,750 for most areas in the United States, but this amount may be higher in more expensive real estate markets. A VA Jumbo Loan is used when the desired property’s value exceeds the conforming loan limit in the area.
Are there funding fees associated with VA Jumbo Loans?
Yes, VA Jumbo Loans have funding fees that depend on the borrower’s military status, down payment amount, and whether it’s the first-time use of the benefit or a subsequent use. Some borrowers may be exempt from funding fees, such as those receiving VA disability compensation.
What credit score do I need for a VA Jumbo Loan?
While the Department of Veterans Affairs does not set a specific minimum credit score, individual lenders may have their own credit requirements. Generally, VA Jumbo Loans have more flexible credit requirements compared to conventional jumbo loans.
Can I refinance my existing mortgage with a VA Jumbo Loan?
Yes, you can refinance your existing mortgage with a VA Jumbo Loan through the VA Cash-Out Refinance program, which allows you to access your home’s equity and potentially secure better loan terms or interest rates.
Can I use a VA Jumbo Loan to purchase an investment property?
No, VA Jumbo Loans are intended for purchasing primary residences only. You cannot use a VA Jumbo Loan to finance an investment property.
Jumbo Mortgage Expertise
We help simplify the jumbo loan process & get you a low downpayment.
About Hurst Lending
Hurst Lending has been helping Texans buy, sell, and refinance their homes since 2006. Our team specializes in solving common roadblocks — like buying before selling, winning bidding wars, or getting financing for homes that need a little work.
We offer unique short-term lending solutions like Domination Loans™ alongside a full suite of loan products: conventional, VA, FHA, cash-out, investor loans, and construction financing.
Whether you're a first-time buyer, an experienced investor, or somewhere in between, we’re here to make financing faster, simpler, and tailored to you.
