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Dinuba sits in Tulare County's Central Valley — an affordable market where conforming loans cover most purchase prices. You won't hit jumbo territory here.
HousingWire flagged the 30-year fixed hitting 6.57% with applications dropping sharply. For Dinuba buyers, locking a conforming rate now is a real consideration. Rates vary by borrower profile and market conditions.
620
Min Credit Score
3%
Min Down Payment
45%
Max DTI
6.57%*
30-Yr Fixed (as of Apr 2026)
Conforming Loans in Dinuba
Most lenders want a 620 minimum credit score for conforming loans. A 740+ score gets you the best pricing.
You need a debt-to-income ratio — your monthly debts divided by gross income — at or below 45%. Put 20% down and you skip private mortgage insurance entirely.
Local decision guide
Use this guide to connect conforming loans eligibility, lender expectations, and local market factors before comparing payment options in Dinuba.
Dinuba sits in Tulare County's Central Valley — an affordable market where conforming loans cover most purchase prices. You won't hit jumbo territory here.
HousingWire flagged the 30-year fixed hitting 6.57% with applications dropping sharply. For Dinuba buyers, locking a conforming rate now is a real consideration. Rates vary by borrower profile and market conditions.
Most lenders want a 620 minimum credit score for conforming loans. A 740+ score gets you the best pricing.
Conforming loans are the most liquid product on the market. Every lender offers them. That also means pricing varies more than people expect.
We shop conforming rates across 200+ wholesale lenders. A quarter-point difference on rate saves thousands over a 30-year term. Don't just take your bank's quote.
Conforming loans price off Fannie Mae and Freddie Mac guidelines. Lenders sell these loans on the secondary market, which keeps rates lower than non-conforming products.
In Dinuba, most buyers qualify on standard W-2 income. If you're a farmworker or seasonal employee, document 2 years of consistent income history before applying.
FHA loans accept lower credit scores — down to 580 — but add mortgage insurance for the life of the loan. Conforming loans drop PMI once you hit 20% equity.
Jumbo loans kick in above the conforming limit. In Tulare County, most Dinuba purchases stay well under that ceiling. A conforming loan is almost always the cheaper path here.
Tulare County's agricultural economy means many borrowers have self-employment or seasonal income. Conforming guidelines are strict on income documentation — plan ahead.
Property types in Dinuba include single-family homes and some rural parcels. Acreage properties over 10 acres can create conforming eligibility issues. Know your property type before you apply.
Tulare County uses the standard conforming loan limit set by the FHFA each year. Most Dinuba purchases fall comfortably under that cap.
Yes, but lenders need a 2-year history of that income. Gaps or inconsistency will trigger extra scrutiny.
Single-family homes qualify easily. Large acreage parcels over 10 acres can cause problems with Fannie Mae guidelines.
Conforming loans allow as little as 3% down. Put down 20% and you eliminate PMI completely.
For borrowers with 620+ credit, conforming usually wins. FHA's lifetime mortgage insurance makes it more expensive long-term.