Question 1

What's the conforming loan limit in Campbell for 2026?

Accepted Answer

Santa Clara County has higher conforming limits than baseline areas. Single-family homes qualify up to the county ceiling, which exceeds standard limits.

Question 2

Can I use a conforming loan for a Campbell condo?

Accepted Answer

Yes, if the HOA meets Fannie Mae or Freddie Mac certification requirements. We verify certification before you write an offer to avoid surprises.

Question 3

Do I need 20% down to avoid PMI on a conforming loan?

Accepted Answer

Twenty percent eliminates PMI. Lower down payments work but add monthly insurance costs until you hit 20% equity through payments or appreciation.

Question 4

How does my tech stock income affect conforming loan approval?

Accepted Answer

RSUs and stock options require two-year history and continuity proof. Underwriters average the income and verify your employer's vesting schedule.

Question 5

Will refinancing rates stay lower for conforming loans?

Accepted Answer

Conforming loans always price better than jumbo for refinancing. The secondary market demand keeps rates competitive regardless of market conditions.

Conforming Loans in Campbell: Access Better Rates Through Standard Guidelines