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Woodside sits in San Mateo County where the median household income of $156,000 supports homes well above the state average. The Bespoke mixed-use development downtown signals renewed investment in the region's core.
At 6.25% interest, a $750,000 conforming loan carries a monthly payment of $4,618 for principal and interest. That rate applies to 80% LTV purchases with a 740 FICO and 30-day lock.
6.25%
Interest Rate
$4,618
Monthly Payment (PI)
740
Minimum FICO
$1,249,125
Conforming Limit (2026)
20%
Down Payment (80% LTV)
Conforming Loans in Woodside
Conforming loans in Woodside require a minimum 740 FICO score and typically 20% down to avoid PMI. At 20% down, you skip mortgage insurance entirely—no rate penalty, no monthly surcharge.
San Mateo County's median household income of $156,000 supports purchases in the $750,000 to $1,000,000 range comfortably. Debt-to-income limits usually cap at 43% of gross monthly income.
Local decision guide
Use this guide to connect conforming loans eligibility, lender expectations, and local market factors before comparing payment options in Woodside.
Woodside sits in San Mateo County where the median household income of $156,000 supports homes well above the state average. The Bespoke mixed-use development downtown signals renewed investment in the region's core.
At 6.25% interest, a $750,000 conforming loan carries a monthly payment of $4,618 for principal and interest. That rate applies to 80% LTV purchases with a 740 FICO and 30-day lock.
Conforming loans in Woodside require a minimum 740 FICO score and typically 20% down to avoid PMI. At 20% down, you skip mortgage insurance entirely—no rate penalty, no monthly surcharge.
California's conforming market is competitive—most lenders offer 30-year fixed mortgages with similar rates and terms. Brokers can shop multiple wholesale lenders to find the best pricing for your scenario.
Conforming loans follow Fannie Mae and Freddie Mac rules, which means consistent underwriting across lenders. Closing typically takes 30 to 45 days with standard documentation.
Conforming 30-year fixed makes sense in Woodside when you have 20% down and a solid credit profile. The rate stays fixed for 30 years, eliminating payment uncertainty as the county's median income grows.
Above the $1,249,125 conforming limit, jumbo loans kick in with tighter underwriting and higher rates. For Woodside's $750,000 to $1,000,000 range, conforming is the path of least resistance.
Conventional loans with less than 20% down require PMI, which adds $150 to $300 monthly depending on LTV. Conforming at 80% LTV skips that cost entirely while keeping the rate competitive.
FHA loans run lower rates but carry lifetime mortgage insurance if down payment is under 10%. For Woodside buyers with 20% down, conforming avoids that permanent insurance cost.
San Mateo's Bespoke development at the former Talbot's downtown site brings new commercial space and affordable housing. That kind of infrastructure investment supports long-term home values for buyers in Woodside.
The region's restaurant scene continues to expand—Michelin recently added seven Bay Area restaurants to its guide. Woodside's proximity to dining and cultural amenities makes it attractive for buyers seeking lifestyle alongside equity.
At 6.25% interest with $187,500 down (80% LTV), the monthly payment is $4,618 for principal and interest. Property taxes, insurance, and HOA fees are separate.
20% down avoids PMI entirely, but conforming loans accept 5% to 19.99% down with mortgage insurance. The choice depends on your savings and long-term payoff plan.
740 FICO qualifies for the best rates and terms. Some lenders accept 680 to 739 FICO but charge higher rates or require larger down payments.
Standard conforming closings take 30 to 45 days. Faster timelines are possible with complete documentation and no appraisal issues.
Yes. Once your loan balance drops to 80% of the home's current value, you can refinance to remove PMI. Automatic cancellation occurs at 78% LTV under the Homeowners Protection Act.