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San Juan Bautista sits in San Benito County, where rural land and historic properties can carry serious price tags. Jumbo loans cover what conforming limits can't.
A jumbo loan kicks in when your purchase price exceeds the FHFA conforming limit for San Benito County. That threshold matters more than most buyers realize.
700+
Min Credit Score
12 Months
Reserves Required
43%
Max DTI (Typical)
10–20%
Min Down Payment
45–60 Days
Est. Close Time
Jumbo Loans in San Juan Bautista
Lenders underwrite jumbo loans manually. That means stronger credit, reserves, and income documentation than a conforming loan requires.
Most jumbo lenders want a 700+ credit score and 12 months of reserves. Debt-to-income ratios are typically held under 43%.
Local decision guide
Use this guide to connect jumbo loans eligibility, lender expectations, and local market factors before comparing payment options in San Juan Bautista.
San Juan Bautista sits in San Benito County, where rural land and historic properties can carry serious price tags. Jumbo loans cover what conforming limits can't.
A jumbo loan kicks in when your purchase price exceeds the FHFA conforming limit for San Benito County. That threshold matters more than most buyers realize.
Lenders underwrite jumbo loans manually. That means stronger credit, reserves, and income documentation than a conforming loan requires.
Not every lender does jumbo well. Portfolio lenders and private banks often have the best programs for rural San Benito County properties.
We work with 200+ wholesale lenders. That reach matters — jumbo guidelines vary wildly between lenders, and one rejection doesn't mean the deal is dead.
Appraisals are the hidden risk on jumbo deals in San Juan Bautista. Comparable sales are thin here. A low appraisal can blow up a deal fast.
Order an appraisal review if your lender allows it. On rural jumbo purchases, that extra step has saved deals I'd have otherwise lost.
If your loan amount falls near the conforming limit, a conforming loan will get you a lower rate and easier approval. Run both scenarios before committing.
ARMs are worth comparing on jumbo purchases. A 7/1 ARM can cut your rate meaningfully if you plan to sell or refinance within seven years. Rates vary by borrower profile and market conditions.
San Juan Bautista properties often include acreage, outbuildings, or agricultural use. Those features complicate jumbo underwriting — lenders flag non-standard properties quickly.
Historic designation is common here. Some lenders won't touch designated historic properties. Others will, with added documentation. Know your lender before you make an offer.
Most jumbo lenders require 10-20% down. Properties with acreage or agricultural use often require closer to 20%.
Some lenders will, but not all. Historic designation adds underwriting complexity — lender selection is critical on these deals.
Yes. Manual underwriting and complex appraisals add time. Budget 45-60 days minimum on rural jumbo purchases.
Not always, but typically yes. Rates vary by borrower profile and market conditions — strong credit can narrow the gap significantly.
Expect two years of tax returns, recent pay stubs, and W-2s. Self-employed borrowers usually need 24 months of business returns as well.