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Fairfield sits between San Francisco and Sacramento. That corridor drives serious home prices in certain pockets.
Some Fairfield properties push past Solano County's conforming limit. That's when a jumbo loan becomes your only path forward.
720+
Typical Min Credit Score
10-20%
Min Down Payment
12 months
Cash Reserves Required
43%
Max DTI (Typical)
Jumbo Loans in Fairfield
Jumbo approval is tighter than conforming. Most lenders want a 700+ credit score, often 720 or higher.
Expect 10-20% down and 12 months of cash reserves. Debt-to-income ratios are typically capped at 43%.
Local decision guide
Use this guide to connect jumbo loans eligibility, lender expectations, and local market factors before comparing payment options in Fairfield.
Fairfield sits between San Francisco and Sacramento. That corridor drives serious home prices in certain pockets.
Some Fairfield properties push past Solano County's conforming limit. That's when a jumbo loan becomes your only path forward.
Jumbo approval is tighter than conforming. Most lenders want a 700+ credit score, often 720 or higher.
Most big banks offer jumbo loans. Their rates and overlays vary wildly — and they rarely compete on your behalf.
Wholesale lenders often beat retail banks on jumbo pricing. We shop 200+ lenders to find which one fits your profile.
Jumbo guidelines aren't standardized. Two lenders can look at the same file and give opposite answers.
Self-employed borrowers get hit hardest. Some jumbo lenders add heavy overlays for non-W-2 income — others don't.
If your loan amount falls at or below the conforming limit, a conventional loan is cheaper and easier to close.
ARMs are worth a look on jumbo loans. A 7/1 ARM can cut your rate if you plan to sell or refi within a decade.
Travis Air Force Base shapes Fairfield's buyer pool. VA borrowers don't need jumbo loans the same way civilians do.
Fairfield's higher-end neighborhoods near Rockville or Green Valley Road can clear conforming limits. Know your threshold before shopping.
Any loan above the FHFA's conforming limit for Solano County is jumbo. Check the current limit before assuming you need one.
Some lenders allow 10% down on jumbo loans. You'll typically need strong credit and solid reserves to qualify at that tier.
Not always. Jumbo rates sometimes run close to or below conforming rates depending on lender and borrower profile. Rates vary by borrower profile and market conditions.
Some lenders require a second appraisal on large jumbo loans. It depends on the loan size and the specific lender's guidelines.
Yes, but expect more documentation. Most lenders want two years of tax returns and may average income differently.
Banks only show you their own products. A broker shops multiple wholesale lenders to find the one that fits your specific file.