Question 1

What's the conforming loan limit in Santa Paula?

Accepted Answer

$806,500 as of 2026 for Ventura County. Loans above that amount require jumbo financing with stricter qualification standards.

Question 2

Can I get a jumbo loan with 10% down?

Accepted Answer

Some lenders allow 10% down but charge higher rates and require perfect credit. Most buyers fare better with 20% down to access standard pricing.

Question 3

Do jumbo loans cost more than conforming loans?

Accepted Answer

Rates vary by borrower profile and market conditions. Jumbo rates sometimes price near or below conforming when competing for strong borrowers.

Question 4

How long does jumbo loan approval take?

Accepted Answer

Expect 30-45 days for standard purchases. Agricultural properties or unique homes may add 1-2 weeks for specialized appraisals and underwriting.

Question 5

Can self-employed borrowers get jumbo loans in Santa Paula?

Accepted Answer

Yes, with two years of tax returns and strong financials. Lenders scrutinize business income more carefully than W-2 wages on jumbo loans.

Jumbo Loans in Santa Paula: Finance Properties Above Conforming Limits