Question 1

What's the 2026 conforming loan limit in Fresno County?

Accepted Answer

Limits adjust annually based on home price trends. Your broker confirms current limits when you apply since they can change from prior years.

Question 2

Can I use a conforming loan for investment property in Fowler?

Accepted Answer

Yes, but expect higher rates and 15-25% down payment requirements. Lenders price investment properties less favorably than primary residences.

Question 3

How long does conforming loan approval take in Fowler?

Accepted Answer

Standard timeline runs 21-30 days from application to closing. Appraisal scheduling and documentation completeness drive the actual timeframe.

Question 4

Do I need perfect credit for a conforming loan?

Accepted Answer

No. Minimum credit is 620, though 740+ gets best pricing. Each 20-point credit tier changes your rate under standard Fannie Mae pricing matrices.

Question 5

What if my loan amount exceeds the conforming limit?

Accepted Answer

You switch to jumbo loan products with different underwriting and pricing. Sometimes a larger down payment keeps you conforming and saves money overall.

Conforming Loans in Fowler: Standard Financing for Fresno County Properties