Question 1

What credit score do I need for a conventional loan in Dixon?

Accepted Answer

Most lenders require 620 minimum. You'll get meaningfully better rates at 740 or above.

Question 2

Can I avoid PMI on a conventional loan?

Accepted Answer

Yes — put down 20% and PMI is not required. You can also cancel PMI once you reach 20% equity.

Question 3

How does a conventional loan compare to FHA in Dixon?

Accepted Answer

Conventional is better for buyers with strong credit. FHA works when credit or down payment is limited.

Question 4

Are Dixon home prices within conforming loan limits?

Accepted Answer

Most Dixon transactions fall within conforming limits, which keeps financing options competitive and broad.

Question 5

How fast can a conventional loan close in Dixon?

Accepted Answer

A well-prepared file typically closes in 21–30 days. Having docs ready upfront speeds things up.

Question 6

Do I need to be a first-time buyer to use a conventional loan?

Accepted Answer

No. Conventional loans are open to any qualified buyer, first-time or repeat purchaser.

Conventional Loans in Dixon, CA — Competitive Rates, Real Flexibility