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St. Helena sits in the heart of Napa Valley wine country. Properties here routinely exceed conforming loan limits.
The FHFA conforming limit caps what Fannie Mae and Freddie Mac will buy. Anything above that ceiling is a jumbo loan.
700 (720+ preferred)
Min Credit Score
10–20%
Down Payment
12–24 months
Reserves Required
Fixed or ARM
Rate Type
200+ wholesale
Lenders Available
Jumbo Loans in St. Helena
Jumbo lenders set their own rules. Most require a 700+ credit score, and many want 720 or higher.
Expect to document 12-24 months of reserves. Debt-to-income ratios need to stay tight — usually under 43%.
Local decision guide
Use this guide to connect jumbo loans eligibility, lender expectations, and local market factors before comparing payment options in St. Helena.
St. Helena sits in the heart of Napa Valley wine country. Properties here routinely exceed conforming loan limits.
The FHFA conforming limit caps what Fannie Mae and Freddie Mac will buy. Anything above that ceiling is a jumbo loan.
Jumbo lenders set their own rules. Most require a 700+ credit score, and many want 720 or higher.
Jumbo loans don't trade on the secondary market the same way conforming loans do. Lenders hold more risk — and price accordingly.
We work with 200+ wholesale lenders. That means real rate competition on your jumbo loan, not a take-it-or-leave-it quote.
Appraisals on St. Helena properties can be tricky. Vineyard land, wine caves, and tasting rooms complicate valuations.
Pick a lender who knows agricultural-adjacent properties. A suburban appraiser reviewing a working estate will slow your deal.
A conforming loan caps out before most St. Helena listings even start. You'll need jumbo financing on almost any purchase here.
ARMs and interest-only loans are common pairings with jumbo products. They can lower your initial payment on a high-balance loan.
St. Helena properties often include land, structures, and agricultural use. Each element affects how lenders assess value.
Seasonal income is common in wine country. If your earnings tie to harvests or hospitality, bank statement programs may apply.
Most jumbo lenders require 700. Many want 720 or higher for the best rates. Rates vary by borrower profile and market conditions.
Plan for 10-20% down. Some lenders require more on higher loan amounts or complex properties.
Some lenders accept documented agricultural income. You'll need a two-year history and tax returns to support it.
Jumbo rates can run higher or lower depending on the lender and your profile. Rates vary by borrower profile and market conditions.
Yes. We shop jumbo programs across 200+ wholesale lenders to find the right fit for Napa Valley property buyers.
Agricultural features, land use, and outbuildings all factor into value. Lenders need appraisers familiar with wine country estates.