Question 1

What makes a loan 'jumbo' in Solano County?

Accepted Answer

Your loan amount — not purchase price — must exceed the FHFA conforming limit. Down payment affects whether you cross that line.

Question 2

Can I get a jumbo loan with less than 20% down?

Accepted Answer

Some lenders allow 10% down on jumbo loans. Expect higher rates and stricter reserve requirements at lower down payments.

Question 3

How long does jumbo underwriting take?

Accepted Answer

Plan for 30-45 days. Jumbo files get more scrutiny than conforming loans, especially for self-employed borrowers.

Question 4

Are jumbo rates always higher than conventional rates?

Accepted Answer

Typically yes, though the gap narrows at strong credit scores. Rates vary by borrower profile and market conditions.

Question 5

Does SRK CAPITAL offer jumbo loans in Suisun City?

Accepted Answer

Yes. We work with 200+ wholesale lenders and shop jumbo programs to find the right fit for your credit profile and loan amount.

Jumbo Loans in Suisun City, CA