Question 1

What is the conforming loan limit in Solano County?

Accepted Answer

Solano County uses the standard FHFA conforming limit. Check current limits before you shop — they adjust annually.

Question 2

Can I get a conforming loan with a 620 credit score in Vallejo?

Accepted Answer

Yes, 620 is the floor. But pricing improves significantly at 680 and again at 740 — a few points can save you real money.

Question 3

How much do I need down for a conforming loan?

Accepted Answer

First-time buyers can put down 3%. Repeat buyers typically need 5%. Less than 20% means you'll pay PMI until equity builds.

Question 4

Is a conforming loan better than FHA for Vallejo buyers?

Accepted Answer

If your credit clears 680+, conforming usually wins on total cost. FHA makes more sense when your score is below that threshold.

Question 5

How long does a conforming loan take to close?

Accepted Answer

Clean W-2 files close in 21–30 days. Complicated income or title issues can push that out — don't assume fast without a clean file.

Question 6

Does my debt-to-income ratio really affect approval?

Accepted Answer

It's one of the top reasons conforming files get denied. Keep monthly debts under 45% of gross income before you apply.

Conforming Loans in Vallejo, CA — Straight Talk on Rates and Approval