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Roseville has grown into one of Placer County's most desirable cities. Newer builds in West Roseville and established estates in surrounding areas regularly push past conforming loan limits.
The FHFA sets conforming limits each year. Any purchase above that threshold requires a jumbo loan — a different product with stricter rules.
700+ typical
Min Credit Score
10–20% min
Down Payment
12 months required
Cash Reserves
Fixed or ARM
Rate Type
30–45 days
Avg Close Time
Jumbo Loans in Roseville
Most jumbo lenders want a 700+ credit score. Some go to 680, but the rate penalty is real. Strong credit is the single biggest factor in jumbo approval.
Expect a debt-to-income ratio — total monthly debts divided by gross income — below 43%. Lenders also want 12 months of reserves in the bank after closing.
Local decision guide
Use this guide to connect jumbo loans eligibility, lender expectations, and local market factors before comparing payment options in Roseville.
Roseville has grown into one of Placer County's most desirable cities. Newer builds in West Roseville and established estates in surrounding areas regularly push past conforming loan limits.
The FHFA sets conforming limits each year. Any purchase above that threshold requires a jumbo loan — a different product with stricter rules.
Most jumbo lenders want a 700+ credit score. Some go to 680, but the rate penalty is real. Strong credit is the single biggest factor in jumbo approval.
Jumbo loans don't follow Fannie Mae or Freddie Mac guidelines. Each lender writes their own rules. That's why shopping across lenders actually matters here.
We work with 200+ wholesale lenders. On jumbo, that access is critical. One lender may cap at $2M. Another goes to $4M with better pricing.
Jumbo files get scrutinized hard. Underwriters want clean tax returns, consistent income, and liquid assets they can verify. Self-employed borrowers need two full years of returns.
Down payment matters more on jumbo. Most lenders want 20%. Some allow 10% down, but they charge for it in the rate. Come prepared with equity.
If your purchase is close to the conforming limit, run the numbers on both options. Conforming loans have lower rates and easier approval — staying under the limit can save real money.
Adjustable-rate jumbo loans (ARMs) are worth a look if you plan to sell or refinance within 7-10 years. The initial rate is typically lower than a 30-year fixed jumbo.
Roseville sits in Placer County, which has its own conforming loan limit set annually by the FHFA. Placer County is not a high-cost designated area, so limits follow the national baseline.
Newer construction in West Roseville and premium zip codes like 95747 frequently hit prices that require jumbo financing. Know your purchase price before you assume conforming will work.
Placer County follows the national FHFA conforming limit. Any loan above that threshold is jumbo. Verify the current limit with us — it adjusts annually.
Some lenders allow 10% down on jumbo. You'll pay a higher rate and need very strong credit — typically 720 or above.
Yes, typically 30-45 days. Underwriting is more manual and thorough. Have all documents ready before you go under contract.
Usually yes, though the gap varies. Rates vary by borrower profile and market conditions. Strong credit and reserves narrow that spread significantly.
Yes, but you need two years of filed tax returns and strong net income. Lenders use adjusted gross income — write-offs work against you here.
Most jumbo lenders require 12 months of mortgage payments in liquid reserves after closing. Some high-balance loans require more.