Question 1

What is the conforming loan limit in Amador County?

Accepted Answer

The FHFA sets conforming limits annually. Any loan above that limit in Amador County is a jumbo and follows different underwriting rules.

Question 2

Can I get a jumbo loan with 10% down?

Accepted Answer

Some lenders offer 90% LTV jumbo programs, but they require excellent credit and strong reserves. Options are limited compared to 20% down.

Question 3

Do jumbo loans take longer to close?

Accepted Answer

Yes, usually. Underwriting is more manual and thorough. Budget 45-60 days on a jumbo purchase, especially with a complex property.

Question 4

Are jumbo rates always higher than conforming rates?

Accepted Answer

Not always. The spread has tightened over time. Rates vary by borrower profile and market conditions — shop across lenders before assuming.

Question 5

What property types do jumbo lenders avoid in rural areas?

Accepted Answer

Working farms, properties over 10-20 acres, and homes with significant deferred maintenance are common sticking points. Lender overlays vary.

Question 6

Does SRK CAPITAL broker jumbo loans in Amador County?

Accepted Answer

Yes. We have access to multiple wholesale jumbo lenders and can compare programs for properties in Jackson and across Amador County.

Jumbo Loans in Jackson, CA — Financing Above Conforming Limits