Question 1

What credit score do I need for conventional loans in Industry?

Accepted Answer

Minimum 620, but 680+ gets you competitive rates. Below 680 you pay higher rates that cost thousands over the loan term.

Question 2

How much down payment for a conventional loan in LA County?

Accepted Answer

3% minimum for primary residence, 5-10% avoids PMI faster. Investment properties need 15-25% down depending on property count.

Question 3

What's the conventional loan limit in Industry, California?

Accepted Answer

Conforming limit is $1,249,125 for LA County in 2026. Above that you need jumbo conventional with different requirements.

Question 4

Do Industry's commercial areas affect conventional loan approval?

Accepted Answer

Yes, properties near warehouses need lenders who understand mixed-use areas. We pre-screen this to avoid appraisal problems.

Question 5

How long does conventional loan approval take in Industry?

Accepted Answer

15-30 days with clean documentation. Limited inventory means rate locks for 45-60 days while you search properties.

Question 6

Can I use conventional financing for Industry investment properties?

Accepted Answer

Yes, but you need 15-25% down and meet stricter reserve requirements. Rental income can offset mortgage in DTI calculations.

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