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Visalia sits in Tulare County, where home prices run lower than coastal California. But the upper end of the market still produces deals that exceed conforming loan limits.
When a purchase price pushes past the FHFA conforming limit, you need a jumbo loan. That means different lenders, stricter standards, and rates priced on risk.
700–720+
Min Credit Score
10–20%
Down Payment
12 months
Cash Reserves
Fixed or ARM
Rate Type
30–45 days
Typical Close Time
Jumbo Loans in Visalia
Most jumbo lenders want a credit score of 700 or higher. Some go to 720. Below that, your options shrink fast.
Expect to show 12 months of reserves — that's cash left over after closing. Debt-to-income ratios are typically capped at 43%, sometimes lower.
Local decision guide
Use this guide to connect jumbo loans eligibility, lender expectations, and local market factors before comparing payment options in Visalia.
Visalia sits in Tulare County, where home prices run lower than coastal California. But the upper end of the market still produces deals that exceed conforming loan limits.
When a purchase price pushes past the FHFA conforming limit, you need a jumbo loan. That means different lenders, stricter standards, and rates priced on risk.
Most jumbo lenders want a credit score of 700 or higher. Some go to 720. Below that, your options shrink fast.
Banks and credit unions handle jumbo loans, but they each price risk differently. One lender's rate can be a full point higher than another's on the same file.
As a broker, we submit your file to 200+ wholesale lenders. We find who's most aggressive on jumbo pricing for Tulare County properties right now.
Jumbo files live or die on documentation. Get your tax returns, W-2s, and asset statements in order before you apply. Gaps in paperwork kill deals at this loan size.
Self-employed buyers face extra scrutiny. Lenders average two years of tax returns and may add back certain deductions. Know your qualifying income before you shop.
If your loan amount is close to the conforming limit, it's worth running both options. Conforming loans carry lower rates and easier guidelines — staying under the limit saves money.
ARMs are common in jumbo deals. A 7/1 or 10/1 ARM can shave the rate noticeably. If you plan to sell or refinance within a decade, that math often works in your favor.
Visalia's jumbo market is thin. Fewer transactions mean appraisers have less comparable data. A weak appraisal on a high-value property can derail your approval.
Properties in Tulare County's upper price tier often include acreage or ag-zoned land. Some lenders restrict jumbo financing on non-standard parcels. Know your property type before choosing a lender.
Most lenders require 700. Some push to 720 for better pricing. Below 700, your jumbo options are very limited.
Typically 10–20%. Higher down payments reduce your rate and may eliminate the need for mortgage insurance.
Some lenders restrict jumbo financing on ag-zoned parcels. We pre-screen lenders for your specific property type before you apply.
Usually, yes. The spread varies by lender and market conditions. Rates vary by borrower profile and market conditions.
Plan for 30–45 days. Jumbo files require more review and appraisals on high-value homes take longer to complete.
Yes. Most jumbo lenders require 12 months of mortgage payments held in verified accounts after your down payment clears.