Question 1

What is the conforming loan limit in Glenn County?

Accepted Answer

Glenn County follows the baseline conforming limit set by FHFA. Most Willows purchases fall well within that ceiling.

Question 2

Can I use a conforming loan on a farm property in Willows?

Accepted Answer

It depends on how the property is classified. Fannie and Freddie have strict rules on agricultural and mixed-use parcels.

Question 3

How does my credit score affect my conforming loan rate?

Accepted Answer

Conforming loans use risk-based pricing. A 760 score gets a better rate than a 640 — sometimes by 0.5% or more.

Question 4

Do I need 20% down for a conforming loan in Willows?

Accepted Answer

No. You can put down as little as 3%. PMI applies until you reach 20% equity in the home.

Question 5

Why use a broker instead of my local bank for a conforming loan?

Accepted Answer

Local banks price for profit margins. A wholesale broker shops your loan across 200+ lenders and finds the most competitive rate.

Conforming Loans in Willows, CA — Straightforward Financing for Glenn County