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Tiburon is one of the most expensive zip codes in Marin County. Nearly every home sale here requires a jumbo loan.
Conforming limits cap out well below what most Tiburon properties cost. If you're buying here, jumbo is the default — not the exception.
700–740+
Min Credit Score
10–20%
Typical Down Payment
12–24 months
Reserves Required
30–45 days
Avg Close Time
Fixed or ARM
Rate Type Options
Jumbo Loans in Tiburon
Jumbo lenders want strong borrowers. Expect to show a credit score of 700 or higher — many top programs require 720 or 740.
You'll also need 12 to 24 months of reserves after closing. That's months of mortgage payments sitting in liquid accounts.
Local decision guide
Use this guide to connect jumbo loans eligibility, lender expectations, and local market factors before comparing payment options in Tiburon.
Tiburon is one of the most expensive zip codes in Marin County. Nearly every home sale here requires a jumbo loan.
Conforming limits cap out well below what most Tiburon properties cost. If you're buying here, jumbo is the default — not the exception.
Jumbo lenders want strong borrowers. Expect to show a credit score of 700 or higher — many top programs require 720 or 740.
Not every lender does jumbo well. Most banks have one or two internal programs with rigid overlays and slow timelines.
We work with 200+ wholesale lenders. That means real competition for your loan — not just whatever one bank happens to offer.
Down payment requirements surprise a lot of Tiburon buyers. Many jumbo programs want 20% down — some go to 10% with strong credit.
Asset depletion is a real tool here. Retired buyers with large portfolios but low W-2 income can still qualify using documented assets.
ARMs are worth a real look on jumbo loans. A 7/1 or 10/1 ARM can cut your rate meaningfully versus a 30-year fixed.
Interest-only jumbo loans are also available. They lower your monthly payment — useful if you want to preserve cash flow.
Tiburon properties are often waterfront or hillside. Appraisers face limited comps, which can create valuation challenges on high-end homes.
Sellers in this market expect serious buyers. A pre-approval from a lender who knows jumbo underwriting signals you can close.
Any loan above the FHFA conforming limit is jumbo. In Marin County, that threshold sits at the high-balance conforming cap — most Tiburon purchases clear it easily.
Yes, some lenders allow 10% down on jumbo loans with strong credit. You'll need a 720+ score and solid reserves to qualify for those programs.
Not always. Jumbo rates are competitive and sometimes match or beat conforming rates. Rates vary by borrower profile and market conditions.
Jumbo loans typically take 30 to 45 days to close. Complex income situations or appraisal delays can add time, so start early.
Yes. Lenders want two years of tax returns and CPA-prepared financials. Strong income and reserves offset the added complexity.
Low appraisals are a real risk in thin markets like Tiburon. A second appraisal or reconsideration of value is sometimes possible — ask your broker before assuming it's final.