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Orange County home prices push most buyers past conforming loan limits fast. Fountain Valley is no exception.
Jumbo loans cover anything above the FHFA conforming limit. In this market, that threshold gets crossed regularly.
700+ typical
Min Credit Score
10–20%
Down Payment
12 months
Cash Reserves
Fixed or ARM
Rate Type
30–45 days typical
Closing Timeline
Jumbo Loans in Fountain Valley
Most jumbo lenders want a 700+ credit score. Some go down to 680, but you'll pay for it in rate.
Expect to show 12 months of reserves. That means 12 months of mortgage payments sitting in verified accounts.
Local decision guide
Use this guide to connect jumbo loans eligibility, lender expectations, and local market factors before comparing payment options in Fountain Valley.
Orange County home prices push most buyers past conforming loan limits fast. Fountain Valley is no exception.
Jumbo loans cover anything above the FHFA conforming limit. In this market, that threshold gets crossed regularly.
Most jumbo lenders want a 700+ credit score. Some go down to 680, but you'll pay for it in rate.
Big banks dominate jumbo advertising, but wholesale lenders often beat their rates. We shop across 200+ lenders to find where jumbo money is cheapest right now.
Jumbo guidelines vary more than conforming. One lender might cap at 80% LTV. Another goes to 90%. The difference is real money.
Self-employed borrowers hit walls with jumbo loans more than any other profile. Two years of tax returns showing write-offs can sink a deal fast.
If your income looks complicated on paper, we route you toward lenders with more flexible jumbo overlays. Not every lender reads a P&L the same way.
If you can stay under the conforming limit, do it. Conforming loans offer better rate guarantees and easier approval.
ARMs are worth considering on jumbo loans. A 7/1 ARM can save half a point or more. If you plan to sell or refi within seven years, that math works.
Fountain Valley sits in a dense pocket of Orange County where move-up buyers are active. Properties here can clear $1M without being extraordinary.
Many Fountain Valley buyers also own investment property. Lenders count that rental income — but only after accounting for vacancies and expenses.
Most lenders require 10-20% down. Some allow 10% down, but expect stricter credit and reserve requirements.
Usually yes, but not always. Rates vary by borrower profile and market conditions — shop across multiple lenders.
Yes, but lender options narrow. You'll need two years of returns and strong reserves to offset the complexity.
Typically no. Most jumbo lenders avoid PMI by requiring larger down payments instead.
Anything above the current FHFA conforming limit for Orange County triggers jumbo guidelines and lender overlays.