Question 1

What is the conforming loan limit in San Diego County?

Accepted Answer

FHFA sets conforming limits annually. San Diego is a high-cost county, so limits here run higher than the national baseline. Check current limits before assuming which loan type you need.

Question 2

Are jumbo rates always higher than conventional rates?

Accepted Answer

Not always. Jumbo rates fluctuate by lender and borrower profile. A strong file can get competitive jumbo pricing. Rates vary by borrower profile and market conditions.

Question 3

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

Accepted Answer

Most jumbo lenders want 10–20% down. Some require more depending on the loan size and your credit profile.

Question 4

Can I get a conventional loan for a luxury home in San Diego?

Accepted Answer

Yes — if the loan amount stays within the conforming limit. A large down payment on a high-priced home can bring the loan amount into conventional range.

Question 5

What credit score do I need for a jumbo loan?

Accepted Answer

Most jumbo lenders require 700 or higher. Some set the bar at 720 or 740 for the best pricing.

Question 6

Does SRK CAPITAL offer both loan types?

Accepted Answer

Yes. We work with 200+ wholesale lenders covering conventional and jumbo programs. We shop both to find the strongest fit for your file.

Conventional vs Jumbo Loans in San Diego