Question 1

What is the jumbo loan limit in Sonoma County?

Accepted Answer

The conforming limit adjusts annually. Any loan above that limit is jumbo. Check with us for the current Sonoma County threshold before you shop.

Question 2

Can I get a jumbo loan with a 680 credit score?

Accepted Answer

A few lenders go down to 680, but your rate and reserve requirements will be tougher. Most jumbo lenders want 700 or higher.

Question 3

Do jumbo loans require a 20% down payment?

Accepted Answer

Many lenders want 20% to avoid PMI. Some allow 10-15% down, but expect higher rates and stricter reserve requirements.

Question 4

Will a vineyard property complicate my jumbo loan?

Accepted Answer

Yes. Ag-use parcels require lenders comfortable with rural properties. Not all jumbo lenders will touch them — we know which ones will.

Question 5

Is a jumbo ARM a good idea in Sebastopol?

Accepted Answer

If you're not holding the property 30 years, a 7/1 or 10/1 ARM can cut your rate meaningfully. Rates vary by borrower profile and market conditions.

Question 6

How long does jumbo underwriting take?

Accepted Answer

Jumbo loans typically take 30-45 days. Complex properties or self-employed income can push that closer to 60 days — plan accordingly.

Jumbo Loans in Sebastopol, CA — Financing Above Conforming Limits