Question 1

What's the conforming loan limit in Atherton?

Accepted Answer

$806,500 for a single-family home as of 2026. Duplexes, triplexes, and fourplexes have higher limits based on unit count.

Question 2

Can I use a conforming loan on a $2M Atherton property?

Accepted Answer

Yes, if you put down at least $1,193,500. The loan portion stays under $806,500. Most buyers choose jumbo financing instead.

Question 3

Do conforming loans require mortgage insurance in Atherton?

Accepted Answer

Only if you put down less than 20%. PMI drops automatically when you reach 78% loan-to-value through payments or appreciation.

Question 4

How much better are conforming rates than jumbo rates?

Accepted Answer

Typically 0.25-0.75% lower. Exact spread varies by credit profile, down payment, and daily market conditions.

Question 5

What credit score gets the best conforming loan rates?

Accepted Answer

740 or higher unlocks top-tier pricing. You can qualify at 620, but rates jump significantly below 700.

Conforming Loans in Atherton: When Your Purchase Fits the Limits