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Dinuba sits in the heart of Tulare County's agricultural valley. Most homes here price well below jumbo territory.
But higher-end rural properties, large land parcels, and custom builds can cross conforming limits. When that happens, you need a jumbo loan.
700+
Min Credit Score
20% typical
Down Payment
12 months
Reserves Required
Non-conforming
Loan Type
~43% max
DTI Limit
Jumbo Loans in Dinuba
Jumbo underwriting is stricter than conventional. Most lenders want a 700+ credit score and 12 months of reserves.
Debt-to-income ratios are tighter too. Expect lenders to cap DTI around 43%, sometimes lower on larger loan amounts.
Local decision guide
Use this guide to connect jumbo loans eligibility, lender expectations, and local market factors before comparing payment options in Dinuba.
Dinuba sits in the heart of Tulare County's agricultural valley. Most homes here price well below jumbo territory.
But higher-end rural properties, large land parcels, and custom builds can cross conforming limits. When that happens, you need a jumbo loan.
Jumbo underwriting is stricter than conventional. Most lenders want a 700+ credit score and 12 months of reserves.
Jumbo products aren't sold to Fannie Mae or Freddie Mac. Lenders hold them in-portfolio, so guidelines vary widely.
One lender might cap at 80% LTV. Another goes to 85% or 90% with strong credit. Shopping across lenders matters here more than almost any other loan type.
In Tulare County, jumbo loans most often come up on rural estates, large ag-adjacent parcels, or high-end custom builds outside city limits.
Appraisals are the trickiest part. Rural comps are sparse. A weak appraisal can tank the deal even when the borrower is strong. Pick your lender carefully.
If your loan amount falls at or below the conforming limit, a conventional loan almost always wins on rate and flexibility.
ARMs are worth a look on jumbo amounts. A 7/1 or 10/1 ARM can cut your rate meaningfully if you don't plan to hold the loan 30 years. Rates vary by borrower profile and market conditions.
Dinuba's surrounding land often blends residential and agricultural use. That dual-use character complicates appraisals on jumbo-priced properties.
As of April 2026, Tulare County falls under standard FHFA conforming limits — not a high-cost area. Anything above that threshold requires jumbo financing.
Tulare County uses the standard FHFA conforming limit. Any loan above that limit requires jumbo financing.
Yes, but mixed-use ag properties are harder to appraise. Lender selection matters significantly on these deals.
Most jumbo lenders want 700 or higher. Some go to 720+ for larger loan amounts or higher LTV requests.
Typically yes. Most lenders require 20% down, though some programs allow 10-15% with strong credit and reserves.
Not always. On large loan amounts, jumbo rates are sometimes competitive with conventional. Rates vary by borrower profile and market conditions.
Expect 12 months minimum. Some lenders require up to 18 months on loans above certain thresholds.