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Oakdale sits in Stanislaus County, where larger properties and rural acreage can push prices past conforming loan limits. That's exactly where jumbo financing comes in.
Jumbo loans cover amounts above the FHFA conforming limit. In 2026, that ceiling matters more as Oakdale's higher-end market includes ranches, estates, and custom builds.
700–720 typical
Min Credit Score
10–20% required
Down Payment
12–18 months
Reserves Required
30–45 days
Avg Close Time
Fixed or ARM
Rate Type
Jumbo Loans in Oakdale
Jumbo lenders are strict. Most want a credit score of 700 or higher — some require 720. A score below 700 will limit your options significantly.
Expect to document everything. Two years of tax returns, W-2s or 1099s, and 12 months of bank statements are standard. Self-employed borrowers face extra scrutiny.
Local decision guide
Use this guide to connect jumbo loans eligibility, lender expectations, and local market factors before comparing payment options in Oakdale.
Oakdale sits in Stanislaus County, where larger properties and rural acreage can push prices past conforming loan limits. That's exactly where jumbo financing comes in.
Jumbo loans cover amounts above the FHFA conforming limit. In 2026, that ceiling matters more as Oakdale's higher-end market includes ranches, estates, and custom builds.
Jumbo lenders are strict. Most want a credit score of 700 or higher — some require 720. A score below 700 will limit your options significantly.
Most retail banks offer jumbo loans, but their programs are narrow. They fit one borrower type and move on.
At SRK CAPITAL, we work with 200+ wholesale lenders. That means we can shop jumbo programs across portfolio lenders, private banks, and non-agency investors — all in one place.
Down payment requirements catch buyers off guard. Most jumbo lenders want 20% down. Some go as low as 10%, but expect a higher rate and stricter reserves requirement.
Reserves matter more on jumbo loans than almost any other factor. Many lenders require 12–18 months of mortgage payments sitting in your account after closing.
If your loan amount falls near the conforming limit, a conventional loan is worth comparing. Rates are often lower and guidelines are looser.
ARMs are worth considering on jumbo loans. A 7/1 ARM can save real money on a large balance if you plan to sell or refinance within seven years.
Oakdale properties often include acreage, barns, or agricultural features. Many jumbo lenders flag these as non-standard collateral and require additional appraisal review.
Rural and semi-rural properties can also face appraisal gaps — fewer comparable sales means more lender scrutiny. We know which lenders are comfortable with Stanislaus County property types.
Stanislaus County follows the standard FHFA conforming limit. Any loan above that amount requires jumbo financing.
Some lenders allow 10% down on jumbo loans. Expect stricter reserve requirements and a higher rate than a 20% down scenario.
Some do, but not all. Lenders treat large acreage as non-standard collateral. We work with lenders experienced in rural Stanislaus County properties.
Yes. Jumbo loans require higher credit scores, more reserves, and stricter debt-to-income ratios than conforming conventional loans.
Not always. Jumbo rates can be competitive, sometimes matching or beating conforming rates. Rates vary by borrower profile and market conditions.
Plan for 30–45 days. Jumbo loans require more underwriting review, especially for self-employed borrowers or complex properties.