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Mountain View sits in one of California's most expensive counties. Conforming loans here work — but only up to the county loan limit.
Santa Clara County qualifies for high-balance conforming limits. That gives you more room than most of the country before you cross into jumbo territory.
620
Min Credit Score
3%
Min Down Payment
45%
Max DTI
6.57% (HousingWire)
30-Yr Fixed (Ref)
Conforming Loans in Mountain View
Most lenders want a 620 credit score minimum. To get competitive rates, aim for 740 or above.
Your debt-to-income ratio — monthly debts divided by gross income — needs to stay under 45%. Strong reserves help if you're near that ceiling.
Local decision guide
Use this guide to connect conforming loans eligibility, lender expectations, and local market factors before comparing payment options in Mountain View.
Mountain View sits in one of California's most expensive counties. Conforming loans here work — but only up to the county loan limit.
Santa Clara County qualifies for high-balance conforming limits. That gives you more room than most of the country before you cross into jumbo territory.
Most lenders want a 620 credit score minimum. To get competitive rates, aim for 740 or above.
Every major lender offers conforming loans. The rate spread between lenders is wider than most borrowers expect.
HousingWire flagged the 30-year fixed hitting 6.57% with applications dropping sharply — rate shopping matters more when rates are elevated. Rates vary by borrower profile and market conditions.
Tech workers in Mountain View often have RSUs and bonus income. Lenders treat those income types differently — some count them fully, others discount or ignore them.
If you're a W-2 employee with strong base pay, conforming is your cleanest path. Two years of tax returns and pay stubs is usually all you need.
Once your loan exceeds the conforming limit, you're in jumbo territory. Jumbo loans require stronger reserves and stricter underwriting.
FHA loans allow lower credit scores but add mortgage insurance that sticks around. For most Mountain View buyers with solid credit, conforming beats FHA on total cost.
Mountain View home prices regularly push buyers toward the conforming limit ceiling. Know your county's high-balance limit before you start shopping.
Multiple-offer situations are common here. Conforming loans close reliably — sellers and their agents know these loans fund. That matters in a competitive offer.
Santa Clara County qualifies for high-balance conforming limits, which are higher than the national baseline. Check current Fannie Mae limits before your purchase.
Some lenders count RSUs, others don't. A broker can match you with a lender whose guidelines fit your income structure.
620 gets you in the door. A 740 or higher score puts you in the best rate tier.
As low as 3% for qualified borrowers. Putting down 20% eliminates private mortgage insurance.
For buyers with 620+ credit, conforming usually wins on total cost. FHA mortgage insurance adds expense that conforming loans avoid with 20% down.
You move into jumbo loan territory. Jumbo loans have stricter requirements and typically higher rates.