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Dublin is one of the Tri-Valley's strongest housing markets. Prices here reflect high demand from tech workers and Bay Area commuters.
HousingWire flagged a 10.4% drop in mortgage applications after the 30-year fixed hit 6.57%. For conventional borrowers, that rate environment shapes what you can realistically afford.
620
Min Credit Score
3%
Min Down Payment
20% Down
PMI-Free Threshold
6.57% (varies)
30-Yr Fixed (Recent)
45–50%
DTI Cap (Typical)
Conventional Loans in Dublin
Most lenders want a 620 credit score minimum for conventional. But to get the best pricing in Dublin's price range, you want 740 or higher.
Down payment starts at 3% for first-time buyers. Put down 20% and you skip private mortgage insurance entirely.
Local decision guide
Use this guide to connect conventional loans eligibility, lender expectations, and local market factors before comparing payment options in Dublin.
Dublin is one of the Tri-Valley's strongest housing markets. Prices here reflect high demand from tech workers and Bay Area commuters.
HousingWire flagged a 10.4% drop in mortgage applications after the 30-year fixed hit 6.57%. For conventional borrowers, that rate environment shapes what you can realistically afford.
Most lenders want a 620 credit score minimum for conventional. But to get the best pricing in Dublin's price range, you want 740 or higher.
We shop conventional loans across 200+ wholesale lenders. Retail banks quote one rate. We compare dozens at once.
Conventional pricing is highly sensitive to credit score, LTV, and property type. A condo in Dublin can price differently than a single-family home on the same block.
Dublin buyers often come in with strong W-2 income but large RSU compensation. How a lender counts that income changes your qualifying amount significantly.
If you're putting down less than 20%, compare PMI quotes across lenders. PMI rates vary more than most borrowers realize.
FHA loans accept lower credit scores but carry mortgage insurance for the life of the loan. Conventional PMI drops off once you hit 20% equity.
If your purchase price exceeds the conforming loan limit, you're looking at a jumbo. Jumbo rates have been competitive lately, but the qualification bar is higher.
Dublin's newer construction means many buyers are purchasing attached townhomes or PUDs. Conventional guidelines treat those differently than detached SFRs.
Alameda County falls under standard conforming loan limits set by the FHFA. Anything above that limit requires jumbo financing with stricter reserves and income requirements.
Most lenders require 620 minimum. You need 740 or higher to access the best rates in Dublin's price range.
Yes — put 20% down and PMI never applies. It also cancels automatically once you reach 20% equity.
Alameda County follows FHFA conforming limits. Borrow above that and you're in jumbo territory with stricter qualification.
Some do, some don't — and the rules vary. We know which lenders in our network are most favorable to tech comp structures.
Usually yes, if your credit is solid. Conventional PMI cancels; FHA mortgage insurance often sticks for the life of the loan.