Question 1

What is the conforming loan limit in Marin County?

Accepted Answer

Marin County qualifies for high-balance conforming limits. Loans above that threshold move into jumbo territory with different guidelines.

Question 2

Do I need 20% down for a conventional loan in Ross?

Accepted Answer

No — some programs start at 3% down. But PMI applies below 20%, and at Ross price points that monthly cost adds up fast.

Question 3

Can I use a conventional loan if I'm self-employed?

Accepted Answer

Yes. Conventional guidelines accept self-employment income with two years of tax returns. Complex income profiles often fit better here than with FHA.

Question 4

How does my credit score affect my rate?

Accepted Answer

Conventional pricing is highly score-sensitive. Going from 720 to 760 can meaningfully lower your rate on a high-balance loan. Rates vary by borrower profile and market conditions.

Question 5

Is a conventional loan better than jumbo for Ross buyers?

Accepted Answer

It depends on the loan amount and your down payment. We run both scenarios — sometimes a larger down keeps you conventional and saves money long-term.

Conventional Loans in Ross, CA — Built for Marin's Market