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Suisun City sits in Solano County, one of the Bay Area's more affordable edges. But affordable is relative — some properties here still push past conforming loan limits.
A jumbo loan kicks in when your loan amount exceeds the FHFA conforming limit. In Solano County, that threshold matters for higher-end purchases.
700–720+
Min Credit Score
12 months typical
Cash Reserves
43% or lower
Max DTI
10–20%
Min Down Payment
Fixed or ARM
Rate Type
Jumbo Loans in Suisun City
Jumbo lenders set the bar higher than conventional programs. Expect a minimum 700 credit score — most lenders want 720 or above.
You'll need 12 months of reserves and full income documentation. Debt-to-income ratio caps are tighter, typically 43% or lower.
Local decision guide
Use this guide to connect jumbo loans eligibility, lender expectations, and local market factors before comparing payment options in Suisun City.
Suisun City sits in Solano County, one of the Bay Area's more affordable edges. But affordable is relative — some properties here still push past conforming loan limits.
A jumbo loan kicks in when your loan amount exceeds the FHFA conforming limit. In Solano County, that threshold matters for higher-end purchases.
Jumbo lenders set the bar higher than conventional programs. Expect a minimum 700 credit score — most lenders want 720 or above.
Most retail banks offer jumbo loans, but their overlays are strict. Credit unions and portfolio lenders often have more flexible underwriting.
As a wholesale broker, we shop your file across 200+ lenders. That means you get options retail borrowers never see.
Jumbo approvals hinge on asset documentation. Lenders want to see seasoned reserves — funds sitting in your account for at least 60 days.
Self-employed borrowers face extra scrutiny on jumbo files. Two years of tax returns and a CPA letter can make or break the deal.
If you're near the conforming limit, a conventional loan could save you money. Jumbo rates run higher and qualification standards are stricter.
An ARM can lower your jumbo rate in the early years. That works if you plan to sell or refinance within 5-7 years.
Suisun City is a commuter market with ties to Travis Air Force Base. Most buyers here don't need jumbo — but higher-end waterfront homes can cross the threshold.
Solano County's conforming limit is the baseline. If your purchase price minus down payment exceeds that limit, you're in jumbo territory.
Your loan amount — not purchase price — must exceed the FHFA conforming limit. Down payment affects whether you cross that line.
Some lenders allow 10% down on jumbo loans. Expect higher rates and stricter reserve requirements at lower down payments.
Plan for 30-45 days. Jumbo files get more scrutiny than conforming loans, especially for self-employed borrowers.
Typically yes, though the gap narrows at strong credit scores. Rates vary by borrower profile and market conditions.
Yes. We work with 200+ wholesale lenders and shop jumbo programs to find the right fit for your credit profile and loan amount.