Question 1

What is the conforming loan limit in Imperial County?

Accepted Answer

Imperial County uses the standard baseline conforming limit set by Fannie Mae and Freddie Mac. Most Calexico home prices fall well below that ceiling.

Question 2

Can I use a conforming loan with agricultural income?

Accepted Answer

Yes, but lenders want a 2-year history of that income. Variable seasonal income gets averaged — gaps or short histories cause problems.

Question 3

How does conforming compare to FHA in Calexico?

Accepted Answer

Above a 700 score with 5% down, conforming usually wins on cost. FHA is worth comparing below 640 or if your down payment is under 3.5%.

Question 4

Does cross-border income from Mexicali qualify?

Accepted Answer

Some lenders accept foreign income with strong documentation. Not all do — this is exactly where having access to multiple lenders matters.

Question 5

What credit score gets me the best conforming rate?

Accepted Answer

740 and above hits the top pricing tier. Every notch below that typically adds cost to your rate. Rates vary by borrower profile and market conditions.

Question 6

How long does a conforming loan take to close in California?

Accepted Answer

Typically 21-30 days for a clean file. Complex income or title issues in Imperial County can push that to 45 days.

Conforming Loans in Calexico, CA — Rates That Work for Imperial County