Question 1

What's the 2026 conforming loan limit in La Puente?

Accepted Answer

$832,750 for Los Angeles County. Any loan above that amount requires jumbo financing, even if you qualify for conventional.

Question 2

Can I get a jumbo loan with 10% down in La Puente?

Accepted Answer

Some lenders allow it with strong credit and reserves. Most prefer 15-20% down for best pricing and easier approval.

Question 3

Do jumbo loans always have higher rates?

Accepted Answer

Not always. Strong borrowers often get competitive jumbo rates. We compare both daily since spreads shift with market conditions.

Question 4

What credit score do I need for conventional vs jumbo?

Accepted Answer

Conventional approves at 620 minimum. Jumbo lenders typically want 700+, with best pricing at 740 or higher.

Question 5

How many months of reserves do jumbo loans require?

Accepted Answer

Typically 6-12 months of housing payments in savings. Exact requirements vary by lender, loan amount, and down payment size.

Question 6

Should I put more down to avoid a jumbo loan?

Accepted Answer

Often makes sense if you're just above the limit. A larger down payment can unlock conventional financing with easier approval terms.

Conventional vs Jumbo Loans in La Puente: Which Fits Your Los Angeles County Purchase?