Question 1

What is the conforming loan limit for Calaveras County?

Accepted Answer

Calaveras County follows the standard conforming limit set by the FHFA each year. Check the current limit before assuming your purchase price qualifies.

Question 2

Can I use a conforming loan on a property with a well and septic?

Accepted Answer

Yes, but both systems must meet minimum condition standards. An inspector and appraiser will review them — failing either can delay or kill the loan.

Question 3

How much do I need to put down in Angels Camp?

Accepted Answer

As little as 3% down works for conforming loans. Put down 20% to avoid PMI and lower your monthly payment significantly.

Question 4

Will my credit score affect my rate on a conforming loan?

Accepted Answer

Yes — meaningfully. Scores above 740 get the best pricing tiers. Dropping below 680 adds real cost to your rate.

Question 5

How long does conforming loan approval take in a rural market?

Accepted Answer

Appraisals take longer in thin markets like Angels Camp. Budget 45-60 days to be safe, especially on older or unique properties.

Conforming Loans in Angels Camp, CA