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Dixon sits in Solano County, where property values can push past conforming loan limits. When they do, a jumbo loan is your only conventional path forward.
Jumbo loans cover mortgages above the FHFA conforming limit. In California, that threshold matters more than almost anywhere else in the country.
700 (720+ preferred)
Min Credit Score
43%
Max DTI
6–12 months
Cash Reserves
10–20%
Typical Down Payment
30–45 days
Avg Close Time
Jumbo Loans in Dixon
Jumbo lenders want to see strong financials. Expect a minimum credit score of 700 — most lenders prefer 720 or higher.
Debt-to-income ratio (DTI) rules are tighter here. Most jumbo lenders cap DTI at 43%. Reserves of 6-12 months of payments are often required.
Local decision guide
Use this guide to connect jumbo loans eligibility, lender expectations, and local market factors before comparing payment options in Dixon.
Dixon sits in Solano County, where property values can push past conforming loan limits. When they do, a jumbo loan is your only conventional path forward.
Jumbo loans cover mortgages above the FHFA conforming limit. In California, that threshold matters more than almost anywhere else in the country.
Jumbo lenders want to see strong financials. Expect a minimum credit score of 700 — most lenders prefer 720 or higher.
Jumbo loans don't go to Fannie Mae or Freddie Mac. Each lender sets its own rules, which means pricing and guidelines vary significantly.
We work with 200+ wholesale lenders at SRK CAPITAL. That access matters on jumbo deals — one lender's overlay can kill a deal another approves easily.
The biggest jumbo mistake we see: borrowers go straight to their retail bank. Banks hold their own jumbo paper and price it accordingly.
Wholesale jumbo pricing is often sharper. On a loan this size, even an eighth of a point difference saves thousands over the life of the loan.
If your loan amount falls near the conforming limit, run the numbers on both. Conforming loans carry lower rates and looser qualification standards.
ARMs are worth considering on jumbo loans. A 7/1 or 10/1 ARM can cut your rate meaningfully if you don't plan to stay 30 years. Rates vary by borrower profile and market conditions.
Dixon is a smaller Solano County city with a mix of agricultural land, new subdivisions, and custom builds. Higher-end custom homes can cross jumbo territory.
Proximity to Sacramento and the Bay Area drives demand from buyers who want more land and space. That buyer profile often fits jumbo qualification requirements.
Any loan above the FHFA conforming limit for Solano County requires jumbo financing. Check the current limit before assuming — it adjusts annually.
Most jumbo lenders require 10-20% down. Some allow 10% with strong credit, but 20% is the safest target to avoid added restrictions.
Yes, but underwriting is stricter. Lenders want two years of tax returns and strong net income — write-offs that reduce taxable income hurt you here.
Not always. Rates vary by lender, loan size, and borrower profile. Shopping multiple wholesale lenders is the best way to find competitive pricing.
Typically 30-45 days. Complex income situations or appraisal delays can push that out. Start your documentation early to stay on timeline.