Question 1

What is the conforming loan limit for Yolo County?

Accepted Answer

FHFA sets conforming limits annually. Yolo County follows California's standard limits — confirm the current ceiling with us before assuming your loan amount qualifies.

Question 2

Can I buy a rural property in Winters with a conforming loan?

Accepted Answer

Yes, but property eligibility matters. Homes with large acreage or income-producing land may not meet Fannie Mae guidelines.

Question 3

How much do I need to put down on a conforming loan?

Accepted Answer

First-time buyers can put down as little as 3%. Repeat buyers typically need at least 5% down.

Question 4

Does PMI go away on a conforming loan?

Accepted Answer

Yes. Once you reach 20% equity, you can request PMI cancellation. It removes automatically at 22% under federal law.

Question 5

Is a conforming loan better than FHA for Winters buyers?

Accepted Answer

With a 680+ credit score and 5% down, conforming usually wins on total cost. FHA makes more sense below 640.

Conforming Loans in Winters, CA — Real Rates, Real Approval