Question 1

What is the conforming loan limit in Fresno County?

Accepted Answer

Conforming limits change annually. For 2026, most California counties including Fresno follow the baseline national limit. Anything above that amount requires jumbo financing.

Question 2

Can I get a jumbo loan with less than 20% down?

Accepted Answer

Yes, but expect higher rates and stricter approval standards. Most lenders want 10% minimum, and pricing improves significantly at 20% down.

Question 3

Do jumbo loans always have higher rates than conventional?

Accepted Answer

Not always. Strong borrowers with 20%+ down sometimes see competitive jumbo rates. But average jumbo pricing typically runs higher than conforming conventional loans.

Question 4

What credit score do I need for conventional in Orange Cove?

Accepted Answer

Most conventional lenders approve at 620 credit. You'll see better rates at 680+ and best pricing above 740.

Question 5

How much in reserves do jumbo lenders require?

Accepted Answer

Expect 6-12 months of housing payments in liquid reserves. Higher loan amounts and lower credit scores push requirements toward the upper end.

Conventional vs Jumbo Loans in Orange Cove: Which Fits Your Farm Country Home?