Question 1

What is the 2026 conforming loan limit in Marin County?

Accepted Answer

The 2026 limit is $1,249,125. Loans above that threshold require jumbo financing.

Question 2

Can I use a conforming loan to buy in Belvedere?

Accepted Answer

Yes, if the loan amount stays under the county limit. Many Belvedere buyers need jumbo or a combo loan structure.

Question 3

Does PMI go away on a conforming loan?

Accepted Answer

Yes. Lenders must cancel PMI once you reach 80% loan-to-value. FHA mortgage insurance does not work the same way.

Question 4

What credit score do I need for the best conforming rate?

Accepted Answer

720 to 740 typically unlocks the best pricing. The minimum to qualify is 620, but rate tiers drop below 740.

Question 5

Is a conforming loan faster to close than a jumbo?

Accepted Answer

Generally yes. Underwriting guidelines are standardized. Jumbo loans require more documentation and lender review time.

Conforming Loans in Belvedere, CA — Know the Limits Before You Shop