Tera Gilbert - Your Jumbo Loan Lender

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Your Jumbo Loan Mortgage Lender

Looking to buy a luxurious home in Texas? I’m Tera Gilbert and as your mortgage loan officer, I will help you determine which mortgage loan is right for your particular needs. I will help you find financing at competitive rates and fees. No matter what part of Texas you live in, I can help!

I can work with you in your mortgage process to find property in high-cost area’s, conforming mortgages, conventional mortgages, closing costs, and other real estate. Together, we can take a look at your credit history and bank statements to determine if you fall within maximum conforming loan limits or if you could benefit from a jumbo loan.

Find out just how low jumbo mortgage rates are right now and lock in your rate by calling me at: 512-828-6420



What is a Jumbo Loan?

A jumbo mortgage is for home loans that exceed conforming loan limits; a mortgage for higher loan amounts. Borrowers are required to have a low debt-to-income ratio and a strong credit score.

The limit on conforming loans is $510,400 in most areas of the country, but jumbo mortgages can exceed these limits. If you’re considering buying a high-value or luxury home, a jumbo loan may be right for you. (usbank.com)

A jumbo loan, also known as a jumbo mortgage, is a type of financing that exceeds the limits set by the Federal Housing Finance Agency (FHFA). Unlike conventional mortgages, a jumbo loan is not eligible to be purchased, guaranteed, or securitized by Fannie Mae or Freddie Mac. Designed to finance luxury properties and homes in highly competitive local real estate markets, jumbo mortgages come with unique underwriting requirements and tax implications. These kinds of mortgages have gained traction as the housing market continues to recover following the Great Recession. (investopedia.com)

Tera Gilbert

Tera Gilbert

Texas Mortgage Loan Officer

NMLS# 543330

equal housing lender

Let's Find Out How I Can Help You!

    Five stars all the way. Tera and her team had their stuff together and got us funded in record time

    Ray D.

    Tera and her team are simply amazing. After rate shopping back in 2016, Tera simply offered the lowest rate of any mortgage broker I found. Her team is pro-active, professional, and always on point. 

    James I.

    Tera and team made our first home purchase a breeze! Very informative from the first introduction to the end. Readily available for any questions no matter how silly or elementary. I’d definitely recommend her services to family and friends and will be calling her for any future ventures. 


    TERA GILBERT - Mortgage Loan Officer
    NMLS# 543330





    Disclaimer: © 2018 All Rights Reserved. This communication does not constitute a commitment to lend or the guarantee of a specified interest rate.  All loan programs and availability of cash proceeds are subject to credit, underwriting and property approval. Programs, rates, terms and conditions are subject to change without notice. Other restrictions apply.




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