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Vacaville sits between Sacramento and the Bay Area. That location pulls prices up, and some properties here push past Solano County's conforming loan limits.
When a purchase price exceeds the FHFA conforming limit, you need a jumbo loan. That means stricter underwriting — but also access to financing that a conventional loan can't cover.
700+ typical
Min Credit Score
10–20% minimum
Down Payment
12 months post-close
Reserves Required
45–60 days
Avg Close Time
Fixed or ARM
Rate Type
Jumbo Loans in Vacaville
Most jumbo lenders want a 700+ credit score. Some go to 680, but expect a higher rate and more scrutiny on reserves.
You'll typically need 12 months of reserves after closing. That means liquid assets equal to a year of mortgage payments — not just a down payment.
Local decision guide
Use this guide to connect jumbo loans eligibility, lender expectations, and local market factors before comparing payment options in Vacaville.
Vacaville sits between Sacramento and the Bay Area. That location pulls prices up, and some properties here push past Solano County's conforming loan limits.
When a purchase price exceeds the FHFA conforming limit, you need a jumbo loan. That means stricter underwriting — but also access to financing that a conventional loan can't cover.
Most jumbo lenders want a 700+ credit score. Some go to 680, but expect a higher rate and more scrutiny on reserves.
Jumbo loans don't go through Fannie Mae or Freddie Mac. Each lender sets its own rules. That's why rate shopping matters more here than on any conforming product.
At SRK CAPITAL, we work with 200+ wholesale lenders. On jumbo, that access is the difference between a deal that closes and one that falls apart at underwriting.
Jumbo underwriters dig deep. Two years of tax returns, YTD profit and loss for self-employed borrowers, and a detailed asset review are standard.
One thing I see trip up Vacaville buyers: large deposits in bank accounts right before closing. Jumbo lenders will ask for a paper trail on every one. Plan your finances 90 days out.
If your loan amount falls near the conforming limit, a conforming loan is almost always cheaper. The rate gap between jumbo and conforming can be significant. Rates vary by borrower profile and market conditions.
An ARM can make sense on jumbo if you plan to sell or refinance within 7-10 years. The initial rate is lower — but understand the adjustment caps before you commit.
Vacaville has pockets of larger estates and newer construction that regularly push into jumbo territory. If you're buying in those areas, assume you'll need jumbo and underwrite accordingly.
Solano County appraisals can be tricky on high-value properties. Comp availability thins out above certain price points. A weak appraisal on a jumbo deal will stall your closing fast.
Anything above the FHFA conforming limit for Solano County is jumbo. Check the current FHFA limit — it adjusts annually.
Yes, some lenders allow 10% down on jumbo. Expect stricter credit and reserve requirements at that down payment level.
Usually yes. Extra underwriting layers mean 45-60 days is more realistic than 30. Build that into your offer timeline.
Not always, but often. Rates vary by lender, borrower profile, and market conditions — which is why comparison shopping matters.
Yes, but lenders want two years of returns and may average your adjusted gross income. Strong reserves help your case significantly.
Yes. No agency backing means lenders carry the full risk. Expect more documentation, higher reserves, and tighter credit standards.