Question 1

What loan amount triggers jumbo in Mendocino County?

Accepted Answer

Any loan above the FHFA conforming limit for Mendocino County is jumbo. Check current limits — they adjust annually.

Question 2

Can I get a jumbo loan on a property with acreage?

Accepted Answer

Yes, but lender appetite varies. Some lenders cap acreage or restrict agricultural-use properties. We know which ones don't.

Question 3

What credit score do I need for a jumbo loan?

Accepted Answer

Most jumbo lenders want 700 or higher. Some programs allow 680, but pricing gets worse below 720.

Question 4

How much do I need to put down on a jumbo loan?

Accepted Answer

Typically 10-20% down, depending on loan size and lender. Larger loans often require more skin in the game.

Question 5

Are jumbo rates higher than conforming rates?

Accepted Answer

Not always — jumbo rates are competitive and vary by lender. Rates vary by borrower profile and market conditions.

Question 6

How long does a jumbo loan take to close in Willits?

Accepted Answer

Plan for 30-45 days. Rural appraisals can add time if comps are scarce in Mendocino County.

Jumbo Loans in Willits, CA — Financing Above Conforming Limits