Question 1

What's the jumbo loan limit in Parlier?

Accepted Answer

Anything exceeding $832,750 requires jumbo financing in Fresno County. That's the 2026 conforming limit for this area.

Question 2

Can I get a jumbo loan with 15% down in Parlier?

Accepted Answer

Some lenders allow 15% down but charge higher rates and require spotless credit. Most deals here use 20-25% down for better pricing.

Question 3

Do jumbo lenders finance agricultural property in Parlier?

Accepted Answer

Yes, but they treat it differently than residential. Expect stricter appraisals, water rights documentation, and longer underwriting timelines.

Question 4

How much reserves do I need for a Parlier jumbo loan?

Accepted Answer

Most lenders want 6-12 months of mortgage payments in the bank after closing. Requirements increase with loan size and property type.

Question 5

Are jumbo rates higher than conforming in Parlier?

Accepted Answer

Expect 0.25-0.75% premiums over conforming rates. The gap tightens when credit scores exceed 760 and down payments reach 25%.

Jumbo Loans in Parlier: Financing Above Conforming Limits with California Broker Access