Question 1

What is the conforming loan limit in Kings County?

Accepted Answer

Kings County follows the standard conforming limit set annually by the FHFA. Check current limits before you start shopping — they adjust each year.

Question 2

Can I use a conforming loan near NAS Lemoore?

Accepted Answer

Yes. Conforming loans work anywhere in the county. Military buyers not using VA benefits use them regularly around Lemoore.

Question 3

Do I need 20% down for a conforming loan?

Accepted Answer

No. Some conforming programs allow as little as 3% down. You'll pay PMI until you reach 20% equity.

Question 4

How does my credit score affect my conforming rate?

Accepted Answer

Scores below 680 cost you more in pricing adjustments. A 740+ score gets you the sharpest rate available. Rates vary by borrower profile and market conditions.

Question 5

Is a conforming loan better than FHA in Lemoore?

Accepted Answer

For buyers with 680+ credit and at least 5% down, conforming usually wins. FHA makes sense when credit is thin or down payment is very limited.

Conforming Loans in Lemoore, CA