Question 1

What counts as a jumbo loan in Marin County?

Accepted Answer

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.

Question 2

Can I get a jumbo loan with 10% down in Tiburon?

Accepted Answer

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.

Question 3

Do jumbo loans have higher interest rates?

Accepted Answer

Not always. Jumbo rates are competitive and sometimes match or beat conforming rates. Rates vary by borrower profile and market conditions.

Question 4

How long does jumbo underwriting take?

Accepted Answer

Jumbo loans typically take 30 to 45 days to close. Complex income situations or appraisal delays can add time, so start early.

Question 5

Can self-employed borrowers get jumbo loans in Tiburon?

Accepted Answer

Yes. Lenders want two years of tax returns and CPA-prepared financials. Strong income and reserves offset the added complexity.

Question 6

What if the appraisal comes in low on a Tiburon home?

Accepted Answer

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.

Jumbo Loans in Tiburon — Financing Built for This Market