Question 1

What loan amount triggers jumbo in Healdsburg?

Accepted Answer

Any loan above the FHFA conforming limit for Sonoma County is jumbo. Most Healdsburg purchases cross that line quickly given local price points.

Question 2

Can I get a jumbo loan with self-employment income?

Accepted Answer

Yes, but lender requirements vary significantly. Some want 2 years of tax returns. Others accept 12–24 months of bank statements as an alternative.

Question 3

Do jumbo loans require mortgage insurance?

Accepted Answer

Most jumbo lenders avoid PMI by requiring 20% down instead. Some 10% down programs exist but often carry slightly higher rates.

Question 4

Can a jumbo loan cover a vineyard property?

Accepted Answer

It depends on the lender. Agricultural or mixed-use parcels have fewer willing lenders. We specifically look for lenders comfortable with Sonoma County wine country deals.

Question 5

How long does jumbo underwriting take?

Accepted Answer

Jumbo loans typically take 30–45 days to close. Complex income or unusual properties can add time. Plan for it and don't lock a short rate commitment.

Question 6

Is an ARM a smart choice for a jumbo in Healdsburg?

Accepted Answer

If you plan to hold the property under 10 years, an ARM can cut your rate meaningfully. Rates vary by borrower profile and market conditions.

Jumbo Loans in Healdsburg — Built for Wine Country Prices