Question 1

What is the conforming loan limit in Marin County?

Accepted Answer

The 2026 conforming limit in Marin County is $1,209,750. Anything above that requires a jumbo loan.

Question 2

Are jumbo rates higher than conventional rates?

Accepted Answer

Not always. Jumbo rates are competitive with conventional on strong files. Rates vary by borrower profile and market conditions.

Question 3

How much do I need in reserves for a jumbo loan?

Accepted Answer

Most jumbo lenders want 12 months of reserves. Some programs require more for larger loan amounts.

Question 4

Can I put less than 20% down on a jumbo loan?

Accepted Answer

Some jumbo programs allow 10% down with strong credit and income. Expect stricter scrutiny at lower down payments.

Question 5

Do conventional loans work for Ross home purchases?

Accepted Answer

Only if your loan stays under $1,209,750. Most Ross properties price above that threshold, requiring jumbo financing.

Question 6

What credit score do I need for a jumbo loan?

Accepted Answer

Most jumbo lenders want 700 or higher. A 720+ score gets you better pricing and more program options.

Conventional vs Jumbo Loans in Ross, CA