Question 1

What is the conforming loan limit in Marin County?

Accepted Answer

Marin County qualifies as a high-cost area, so its limit exceeds the national baseline. Most Belvedere purchases still require a jumbo loan.

Question 2

What credit score do I need for a jumbo loan in Belvedere?

Accepted Answer

Most lenders want 720 or higher. A few programs allow 700, but you'll see better rates and terms above 740.

Question 3

How much do I need to put down on a jumbo loan?

Accepted Answer

Plan for 20% minimum. Some lenders offer 10% down jumbo programs, but they carry stricter reserve and credit requirements.

Question 4

Can self-employed buyers get jumbo loans in Belvedere?

Accepted Answer

Yes, but documentation is heavier. Two years of tax returns, a CPA letter, and 12+ months reserves are standard expectations.

Question 5

Are jumbo rates higher than conforming rates?

Accepted Answer

Not always. At this loan size, jumbo rates are often competitive with conforming. Rates vary by borrower profile and market conditions.

Question 6

How long does jumbo loan approval take in this market?

Accepted Answer

Expect 30-45 days for a clean file. Complex income or appraisal challenges can add time — build that into your offer timeline.

Jumbo Loans in Belvedere, CA — Built for This Market