Question 1

What is the conforming loan limit for Yolo County?

Accepted Answer

Yolo County uses the standard national conforming limit set annually by Fannie Mae and Freddie Mac. Confirm the current limit with us before you shop — it affects your loan type entirely.

Question 2

Can I get a conforming loan with a 620 credit score?

Accepted Answer

Yes, but your rate will be higher than a borrower at 740+. The difference can add hundreds to your monthly payment.

Question 3

Do conforming loans require PMI?

Accepted Answer

Only when your down payment is under 20%. Unlike FHA, you can cancel conforming PMI once you reach 20% equity.

Question 4

How long does a conforming loan take to close in West Sacramento?

Accepted Answer

Most conforming loans close in 21 to 30 days with complete documentation. Missing docs are the top reason for delays.

Question 5

Is a conforming loan better than FHA for West Sacramento buyers?

Accepted Answer

For buyers with 620+ credit and 5% or more down, conforming usually wins on long-term cost. FHA makes sense when the score is lower.

Conforming Loans in West Sacramento, CA