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Tiburon sits in one of California's most expensive zip codes. Conforming loans have strict limits — and in Marin County, that ceiling matters.
HousingWire flagged the 30-year fixed hitting 6.57% with applications down 10.4% week-over-week. For conforming borrowers, rate sensitivity is real right now.
6.57% (Apr 2026)
30-Year Fixed Rate
620
Min Credit Score
740+ Score
Best Rate Tier
45%
Max DTI
3%
Min Down Payment
Conforming Loans in Tiburon
Most lenders want a 620 credit score minimum for conforming loans. To get competitive rates, you realistically need 740 or higher.
Debt-to-income ratio — your monthly debts divided by gross income — must stay under 45%. Most strong files land under 43%.
Local decision guide
Use this guide to connect conforming loans eligibility, lender expectations, and local market factors before comparing payment options in Tiburon.
Tiburon sits in one of California's most expensive zip codes. Conforming loans have strict limits — and in Marin County, that ceiling matters.
HousingWire flagged the 30-year fixed hitting 6.57% with applications down 10.4% week-over-week. For conforming borrowers, rate sensitivity is real right now.
Most lenders want a 620 credit score minimum for conforming loans. To get competitive rates, you realistically need 740 or higher.
Conforming loans are the most commoditized product in the market. Every bank, credit union, and broker offers them.
That competition is good for you. We shop across 200+ wholesale lenders to find who's pricing this product sharpest on a given day.
The trap in Tiburon is assuming a conforming loan will cover your purchase. Many homes here blow past the conforming limit fast.
Check your loan amount before you fall in love with a property. Crossing the conforming ceiling means jumping to jumbo — different guidelines, different pricing.
Conforming loans beat jumbo on rate — typically by 25 to 75 basis points. That's real money over 30 years.
FHA loans go lower on credit score but carry mortgage insurance. Conforming at 20% down has no monthly insurance cost at all.
Marin County qualifies as a high-cost area under FHFA rules. That means higher conforming limits than most of California.
Even with elevated limits, Tiburon's price points push many buyers into jumbo territory. Know your number before you shop.
Marin qualifies as a high-cost area, so limits exceed the national baseline. Check current FHFA limits — they adjust annually.
Yes, if your loan amount stays within the limit. Many Tiburon homes require jumbo financing above that threshold.
Only if your down payment is under 20%. At 20% down, there's no monthly PMI — that's a real cost advantage.
Fannie and Freddie use tiered pricing grids. A 760 score gets a meaningfully better rate than a 680 score.
Conforming rates run lower, but the loan limit may not cover your purchase price. Run both scenarios before deciding.
Three percent for qualified buyers. But putting down less than 20% adds PMI to your monthly payment.