Question 1

What loan amount triggers jumbo in Tulare County?

Accepted Answer

Tulare County uses the standard FHFA conforming limit. Any loan above that limit requires jumbo financing.

Question 2

Can I get a jumbo loan on a property with farmland?

Accepted Answer

Yes, but mixed-use ag properties are harder to appraise. Lender selection matters significantly on these deals.

Question 3

What credit score do I need for a jumbo loan?

Accepted Answer

Most jumbo lenders want 700 or higher. Some go to 720+ for larger loan amounts or higher LTV requests.

Question 4

Do jumbo loans require a larger down payment?

Accepted Answer

Typically yes. Most lenders require 20% down, though some programs allow 10-15% with strong credit and reserves.

Question 5

Are jumbo rates higher than conventional rates in Dinuba?

Accepted Answer

Not always. On large loan amounts, jumbo rates are sometimes competitive with conventional. Rates vary by borrower profile and market conditions.

Question 6

How many months of reserves do jumbo lenders require?

Accepted Answer

Expect 12 months minimum. Some lenders require up to 18 months on loans above certain thresholds.

Jumbo Loans in Dinuba, CA — High-Value Financing in Tulare County