Question 1

What loan amount triggers a jumbo loan in Kings County?

Accepted Answer

Any loan exceeding the FHFA conforming limit requires jumbo financing. That limit adjusts annually — ask us for the current number.

Question 2

Do most Avenal home purchases require a jumbo loan?

Accepted Answer

No. Avenal is an affordable market. Most purchases fall well within conforming loan limits.

Question 3

What credit score do I need for a jumbo loan?

Accepted Answer

Most jumbo lenders want 700 at minimum. Scores above 720 open up better rates and more program options.

Question 4

Can I use a jumbo loan for rural or agricultural property?

Accepted Answer

It depends on the property type. Some lenders won't touch agricultural land. We know which ones will.

Question 5

Is a fixed or adjustable rate better on a jumbo loan?

Accepted Answer

Depends on how long you plan to hold the loan. ARMs often price lower — that savings compounds on a large balance.

Jumbo Loans in Avenal, CA — What You Need to Know