Question 1

What is the jumbo loan threshold in Humboldt County?

Accepted Answer

Jumbo loans exceed the FHFA conforming limit for Humboldt County. Check current limits before assuming your loan size qualifies.

Question 2

Can I get a jumbo loan on a rural Arcata property?

Accepted Answer

Yes, but lender options narrow fast. Rural lots, shared wells, and ag land all limit which jumbo lenders will approve the file.

Question 3

How much do I need to put down for a jumbo loan?

Accepted Answer

Most jumbo lenders require 20% down. Some allow 10% down with strong credit and reserves, but pricing gets worse.

Question 4

Do jumbo rates run higher than conforming rates?

Accepted Answer

Often yes, though the gap shifts. Bankrate has rates moving with geopolitical pressure — jumbo pricing follows its own curve. Rates vary by borrower profile and market conditions.

Question 5

How many months of reserves do jumbo lenders require?

Accepted Answer

Typically 12 to 24 months of mortgage payments held in liquid assets. Higher loan amounts push lenders toward the higher end.

Jumbo Loans in Arcata, CA — Big Financing for Humboldt's Top Properties