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Susanville sits in Lassen County — rural, affordable, and far from California's coastal price wars. Jumbo loans rarely come up here.
The conforming loan limit for most California counties is $832,750 in 2026. You'd need to borrow above that to need a jumbo loan in Susanville.
Above $832,750
Jumbo Threshold
720 preferred
Min Credit Score
20%
Min Down Payment
12 months
Cash Reserves
43%
Max DTI
Jumbo Loans in Susanville
Jumbo lenders set the bar high. Expect a minimum 700 credit score — many lenders want 720 or better.
You'll need 12 months of reserves after closing. Debt-to-income ratio typically must stay under 43%.
Local decision guide
Use this guide to connect jumbo loans eligibility, lender expectations, and local market factors before comparing payment options in Susanville.
Susanville sits in Lassen County — rural, affordable, and far from California's coastal price wars. Jumbo loans rarely come up here.
The conforming loan limit for most California counties is $832,750 in 2026. You'd need to borrow above that to need a jumbo loan in Susanville.
Jumbo lenders set the bar high. Expect a minimum 700 credit score — many lenders want 720 or better.
Jumbo loans aren't government-backed. Lenders take on the full risk, so guidelines vary widely between lenders.
We work with 200+ wholesale lenders at SRK CAPITAL. That matters when jumbo guidelines aren't standardized.
In a market like Susanville, a jumbo loan request is unusual. Most properties here price well under the conforming limit.
If you're buying a large ranch, agricultural estate, or luxury custom build, a jumbo could apply. Those deals need careful structuring.
A conforming loan below $832,750 gives you better rates and looser guidelines. Go conforming if the numbers work.
ARMs are common on jumbo loans. A 7/1 ARM can lower your initial rate — but know your exit plan before you commit.
Lassen County appraisals are comp-limited. Rural areas have fewer recent sales, which slows jumbo appraisals down.
Jumbo lenders want clean comps within 12 months. In Susanville, that's not always available — plan for delays.
No. Susanville is an affordable rural market. Most homes price well under the $832,750 conforming limit.
Most jumbo lenders want 720 or higher. Below 700, your options shrink fast.
Plan on 20%. Some lenders require more, especially on rural or unique properties in Lassen County.
Usually, yes. Jumbo lenders take on more risk without government backing. Rates vary by borrower profile and market conditions.
Yes, but it's harder. Rural acreage and agricultural use can complicate appraisals and underwriting timelines.