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McFarland is a small agricultural city in Kern County. Most homes here fall well below the conforming loan limit.
Jumbo loans kick in above the FHFA conforming limit. In most of Kern County, that threshold sits around $832,750 as of 2026.
700–720+
Min Credit Score
Above $832,750
Loan Threshold
~43%
Max DTI
12 months typical
Cash Reserves
Jumbo Loans in McFarland
Jumbo lenders want strong borrowers. Expect a 700+ credit score minimum — many lenders prefer 720 or higher.
Debt-to-income ratios need to stay tight. Most jumbo programs cap DTI at 43%, and reserves of 12 months cash are common.
Local decision guide
Use this guide to connect jumbo loans eligibility, lender expectations, and local market factors before comparing payment options in McFarland.
McFarland is a small agricultural city in Kern County. Most homes here fall well below the conforming loan limit.
Jumbo loans kick in above the FHFA conforming limit. In most of Kern County, that threshold sits around $832,750 as of 2026.
Jumbo lenders want strong borrowers. Expect a 700+ credit score minimum — many lenders prefer 720 or higher.
Jumbo loans are not bought by Fannie Mae or Freddie Mac. Each lender sets its own rules — guidelines vary widely.
We work with 200+ wholesale lenders at SRK CAPITAL. That reach matters when you need a jumbo in a smaller market like McFarland.
Jumbo loans in rural markets get more scrutiny on appraisals. Lenders get nervous when comps are thin.
If your purchase is close to the conforming limit, a slightly larger down payment may let you stay conforming. That saves money.
Conforming loans offer lower rates and easier approval. If you can stay under the limit, do it.
ARMs are common on jumbo loans. A 7/1 ARM can cut your rate significantly if you plan to sell or refinance within seven years.
McFarland's housing stock is modest. True jumbo-priced properties are rare here.
Kern County agricultural land purchases sometimes require jumbo financing. That's a different underwrite than a primary residence.
Any loan above the FHFA conforming limit — around $832,750 in Kern County as of 2026. Go over that, and you're in jumbo territory.
Usually yes. Jumbo lenders take on more risk without agency backing. Rates vary by borrower profile and market conditions.
Some lenders allow 10% down on jumbo loans. Expect stricter credit and reserve requirements at that down payment level.
It depends on land use and lender appetite. Ag land with a residential structure is possible, but options are narrower.
Jumbo guidelines differ sharply across lenders. A broker shops dozens of programs at once — a single bank shows you one option.