Question 1

What is the conforming loan limit in Mono County?

Accepted Answer

Mono County uses the standard FHFA conforming limit. Any loan above that limit requires jumbo financing.

Question 2

Can I use Airbnb income to qualify for a jumbo loan in Mammoth?

Accepted Answer

Most jumbo lenders don't count short-term rental income. You'll need to qualify on your own documented income.

Question 3

Do jumbo lenders treat ski condos differently?

Accepted Answer

Yes. Resort condos face extra project review. The condo association and rental program both get scrutinized.

Question 4

How much do I need to put down on a jumbo in Mammoth Lakes?

Accepted Answer

Most jumbo programs require 10–20% down. Second homes and investment properties typically need more.

Question 5

Are jumbo rates higher than conforming rates right now?

Accepted Answer

Jumbo rates vary by lender and borrower profile. Rates vary by borrower profile and market conditions.

Question 6

Why use a broker for a jumbo loan in Mammoth Lakes?

Accepted Answer

Local banks rarely specialize in resort jumbo products. A broker shops across lenders who actually know this property type.

Jumbo Loans in Mammoth Lakes, CA