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Fillmore sits in the Santa Clara River Valley — a quieter corner of Ventura County where larger parcels and estate-style properties push prices past conforming limits.
When a purchase price exceeds the FHFA conforming loan limit, you need a jumbo loan. That means stricter underwriting, but the right lender makes it manageable.
700 (some at 680)
Min Credit Score
10–20% typical
Down Payment
6–12 months
Reserves Required
Fixed or ARM
Rate Type Options
2 years required
Income Docs
Jumbo Loans in Fillmore
Most jumbo lenders want a 700+ credit score. Some go down to 680, but expect a higher rate and more documentation.
Reserves matter a lot here. Lenders typically require 6 to 12 months of mortgage payments sitting in a verified account after closing.
Local decision guide
Use this guide to connect jumbo loans eligibility, lender expectations, and local market factors before comparing payment options in Fillmore.
Fillmore sits in the Santa Clara River Valley — a quieter corner of Ventura County where larger parcels and estate-style properties push prices past conforming limits.
When a purchase price exceeds the FHFA conforming loan limit, you need a jumbo loan. That means stricter underwriting, but the right lender makes it manageable.
Most jumbo lenders want a 700+ credit score. Some go down to 680, but expect a higher rate and more documentation.
Jumbo isn't sold to Fannie or Freddie — each lender sets its own rules. That's why rate and guideline differences across lenders are massive.
We shop jumbo paper across 200+ wholesale lenders. A rate that looks good at your bank may not be the best available for your profile.
Jumbo buyers in smaller markets like Fillmore sometimes get overlooked by big banks that prefer urban deal volume. That's actually an advantage for broker clients.
Self-employed borrowers can still qualify — but expect lenders to scrutinize two years of returns. Your write-offs may hurt your qualifying income more than you think.
If your loan amount falls near the conforming limit, it's worth running both scenarios. A conforming loan at a lower rate may cost less than a jumbo — even at a slightly reduced purchase price.
ARMs are popular on jumbo loans because buyers often sell or refi within 7–10 years. A 7/1 ARM can drop your rate meaningfully. Rates vary by borrower profile and market conditions.
Fillmore's rural character means fewer recent sales comps. Appraisers have to reach further for comparables, which can create valuation risk on high-end properties.
Agricultural land, equestrian properties, and acreage parcels are common in this corridor. Not every jumbo lender will touch those property types — knowing which ones will is half the job.
Most lenders require at least 700. Some go to 680, but you'll pay for it in rate.
Yes, but not every lender will approve it. We know which wholesale lenders handle rural and agricultural properties.
Typically 10–20%. Putting down less than 20% is possible on some programs but expect stricter conditions.
No, jumbo loans don't use PMI. But lenders offset risk with higher rates and stronger reserve requirements.
Depends on your timeline. Many jumbo buyers choose a 7/1 or 10/1 ARM to get a lower starting rate. Rates vary by borrower profile and market conditions.
Banks offer their own programs only. We compare dozens of jumbo lenders at once — including those that specialize in Ventura County property types.