Question 1

What credit score do I need for a jumbo loan in Yountville?

Accepted Answer

Most jumbo lenders require at least 700. To get competitive rates on a Napa Valley purchase, 720 or higher puts you in a stronger position.

Question 2

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

Accepted Answer

Most programs start at 10% down. On higher loan amounts, 20% is common and avoids mortgage insurance on some products.

Question 3

Can self-employed buyers get jumbo loans in Yountville?

Accepted Answer

Yes — but lender choice matters. Some jumbo programs use bank statements instead of tax returns, which helps self-employed borrowers with write-offs.

Question 4

Do jumbo loans take longer to close?

Accepted Answer

They can. Underwriting is more manual and appraisals on luxury properties take longer. Budget 30–45 days minimum.

Question 5

Are vineyard properties eligible for jumbo financing?

Accepted Answer

Some are, but not all lenders will touch agricultural or mixed-use parcels. You need a lender experienced with Napa Valley property types.

Question 6

How do jumbo rates compare to conforming rates?

Accepted Answer

Jumbo rates are sometimes lower than conforming — it depends on loan size and lender. Rates vary by borrower profile and market conditions.

Jumbo Loans in Yountville, CA