Question 1

What's the conforming loan limit in Ceres?

Accepted Answer

$806,500 for single-family homes in 2025. Almost all Ceres inventory falls below this threshold.

Question 2

Can I use a conforming loan with 3% down?

Accepted Answer

Yes, if you're a first-time buyer or meet program criteria. You'll pay mortgage insurance until you reach 20% equity.

Question 3

How does my credit score affect my conforming loan rate?

Accepted Answer

Scores above 740 get best pricing. Every 20-point drop below that costs roughly 0.25% in rate.

Question 4

Do conforming loans work for investment properties in Ceres?

Accepted Answer

Yes, but you need 15-25% down. Rates run 0.50-0.75% higher than owner-occupied loans.

Question 5

How long does conforming loan approval take in Stanislaus County?

Accepted Answer

21-30 days typically. Appraisal waivers can cut this to two weeks with clean file submission.

Conforming Loans in Ceres: Competitive Rates for Stanislaus County Buyers