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Avenal sits in Kings County, one of California's more affordable inland markets. Home prices here rarely push into jumbo territory.
Jumbo loans kick in above the FHFA conforming limit. In most California counties, that threshold sits well above typical Avenal price points.
700–720+
Min Credit Score
20% minimum
Down Payment
12 months
Cash Reserves
Fixed or ARM
Rate Type
Jumbo Loans in Avenal
Jumbo lenders set tougher standards than conforming programs. Expect a minimum 700 credit score — many lenders want 720 or higher.
Most jumbo loans require at least 20% down. You'll also need 12 months of reserves, meaning cash left after closing.
Local decision guide
Use this guide to connect jumbo loans eligibility, lender expectations, and local market factors before comparing payment options in Avenal.
Avenal sits in Kings County, one of California's more affordable inland markets. Home prices here rarely push into jumbo territory.
Jumbo loans kick in above the FHFA conforming limit. In most California counties, that threshold sits well above typical Avenal price points.
Jumbo lenders set tougher standards than conforming programs. Expect a minimum 700 credit score — many lenders want 720 or higher.
Jumbo loans don't go through Fannie Mae or Freddie Mac. Each lender sets its own rules, rates, and limits.
That's where a broker earns their value. We shop your file across 200+ wholesale lenders to find who actually wants this deal.
Jumbo underwriting is manual. A lender can decline you for reasons a conforming loan would overlook — rental income, business losses, asset type.
We pre-screen your file before submission. That means fewer surprises and faster closings on high-value purchases.
If your loan amount falls at or below the conforming limit, a conventional loan will get you better rates with less hassle.
ARMs are worth comparing on jumbo purchases. A 7/1 ARM can price meaningfully lower than a 30-year fixed on larger loan balances.
Avenal's price points make jumbo loans rare here. Most buyers will never need one in this market.
If you're financing a large agricultural property or rural estate in Kings County, the loan structure changes. Talk to us about what fits your specific deal.
Any loan exceeding the FHFA conforming limit requires jumbo financing. That limit adjusts annually — ask us for the current number.
No. Avenal is an affordable market. Most purchases fall well within conforming loan limits.
Most jumbo lenders want 700 at minimum. Scores above 720 open up better rates and more program options.
It depends on the property type. Some lenders won't touch agricultural land. We know which ones will.
Depends on how long you plan to hold the loan. ARMs often price lower — that savings compounds on a large balance.