Question 1

What credit score do I need for a conventional loan in West Sacramento?

Accepted Answer

Lenders require a 620 minimum. Scores above 740 get you the best rates available.

Question 2

Can I avoid PMI on a conventional loan here?

Accepted Answer

Yes. Put 20% down and PMI never applies. It also cancels automatically once you hit 80% LTV.

Question 3

How does a conventional loan compare to FHA in Yolo County?

Accepted Answer

FHA allows lower credit scores but carries lifetime mortgage insurance. Conventional PMI drops off — making it cheaper long-term for qualified buyers.

Question 4

Do conventional loans cover new construction in West Sacramento?

Accepted Answer

Yes. Conventional financing works well for new builds. The Bridge District has several developments that qualify without issue.

Question 5

What is the conforming loan limit for Yolo County?

Accepted Answer

Yolo County follows standard conforming limits. Most West Sacramento purchases stay within those limits and avoid jumbo pricing.

Conventional Loans in West Sacramento, CA