Question 1

What is the jumbo loan threshold in Lake County?

Accepted Answer

Any loan above $806,500 is jumbo in Lake County as of 2026. Most Clearlake purchases fall under that limit.

Question 2

Are jumbo loans common in Clearlake?

Accepted Answer

No. Clearlake is an affordable market. Jumbo loans here are rare and mostly tied to large lakefront properties.

Question 3

What credit score do I need for a jumbo loan?

Accepted Answer

Most jumbo lenders want 700 or higher. Some require 720+. Lower scores make approval very difficult.

Question 4

How much do I need in reserves for a jumbo loan?

Accepted Answer

Typically 12 months of mortgage payments in liquid assets. Some lenders require more on larger loan amounts.

Question 5

Can I get a jumbo loan on a rural property in Lake County?

Accepted Answer

Yes, but fewer lenders will do it. Rural appraisals and thin comps create extra hurdles. Work with a broker who knows the market.

Jumbo Loans in Clearlake, CA: What You Need to Know