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San Juan Bautista sits in San Benito County — a quieter market than the Bay Area, but close enough to feel the pressure. Conforming loans are the workhorse here.
HousingWire flagged the 30-year fixed hitting 6.57% with applications dropping over 10% week-over-week. For conforming borrowers in San Benito, that means rate strategy matters more than ever right now.
620
Min Credit Score
3%
Min Down Payment
45%
Max DTI
6.57%*
30-Yr Fixed (Ref.)
Conforming Loans in San Juan Bautista
Most conforming loans require a minimum 620 credit score. Better scores — 740 and above — get meaningfully lower rates. Rates vary by borrower profile and market conditions.
You'll need documented income, a debt-to-income ratio under 45%, and at least 3% down. Conventional conforming at 3% down is real — but expect PMI until you hit 20% equity.
Local decision guide
Use this guide to connect conforming loans eligibility, lender expectations, and local market factors before comparing payment options in San Juan Bautista.
San Juan Bautista sits in San Benito County — a quieter market than the Bay Area, but close enough to feel the pressure. Conforming loans are the workhorse here.
HousingWire flagged the 30-year fixed hitting 6.57% with applications dropping over 10% week-over-week. For conforming borrowers in San Benito, that means rate strategy matters more than ever right now.
Most conforming loans require a minimum 620 credit score. Better scores — 740 and above — get meaningfully lower rates. Rates vary by borrower profile and market conditions.
We work with 200+ wholesale lenders at SRK CAPITAL. Conforming loans are the most competitive product we shop — nearly every lender wants this paper.
That competition works in your favor. Small differences in rate or lender fees add up over a 30-year loan. We compare the full picture, not just the rate sheet.
San Juan Bautista is a smaller market. Properties here don't always move fast, so you have a window to get your financing sharp before you commit.
Don't confuse conforming with conventional — all conforming loans are conventional, but not all conventional loans are conforming. Jumbo conventional loans follow different pricing rules entirely.
FHA loans allow lower credit scores and higher DTI, but they carry mandatory mortgage insurance for the life of the loan in most cases. Conforming loans let you cancel PMI.
Jumbo loans kick in above conforming limits and carry tighter underwriting. If your purchase price stays within limits for San Benito County, conforming is almost always the better call.
San Benito County uses the standard California conforming loan limits set by the FHFA each year. Prices in San Juan Bautista tend to stay within those limits — making conforming the dominant loan type used here.
The area attracts buyers who want proximity to the Bay Area without Bay Area prices. Conforming loans fit that profile well — solid financing without the complexity of jumbo underwriting.
San Benito County uses the standard FHFA baseline limit. Check the current year's FHFA announcement — limits are updated annually.
Yes. Conforming loans allow as little as 3% down. You'll pay PMI until your equity hits 20%.
Conforming loans stay within FHFA limits and get sold to Fannie or Freddie. Jumbo loans exceed those limits and carry stricter requirements.
Lenders require a minimum 620 score. Scores at 740 or above get the best pricing.
For buyers with solid credit and at least 5% down, conforming usually wins. FHA MIP costs more long-term in most scenarios.