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Winters is a small agricultural town in Yolo County, about 30 miles west of Sacramento. It attracts buyers who want rural character without leaving Northern California's job markets.
Conventional loans fit well here. Most Winters properties are single-family homes that meet standard appraisal guidelines without issue.
620
Min Credit Score
3%
Min Down Payment
20% Down
PMI Required Under
Conforming
Loan Type
6.57% (Apr '26)
30-Yr Fixed (Ref.)
Conventional Loans in Winters
Most conventional loans require a 620 minimum credit score. To drop private mortgage insurance (PMI), you need 20% down.
Put down less than 20% and PMI gets added to your monthly payment. It cancels automatically once you hit 20% equity.
Local decision guide
Use this guide to connect conventional loans eligibility, lender expectations, and local market factors before comparing payment options in Winters.
Winters is a small agricultural town in Yolo County, about 30 miles west of Sacramento. It attracts buyers who want rural character without leaving Northern California's job markets.
Conventional loans fit well here. Most Winters properties are single-family homes that meet standard appraisal guidelines without issue.
Most conventional loans require a 620 minimum credit score. To drop private mortgage insurance (PMI), you need 20% down.
SRK CAPITAL shops conventional loans across 200+ wholesale lenders. That means more rate options than any single bank can offer.
HousingWire flagged the 30-year fixed hitting 6.57% with applications dropping over 10% in a single week. Rate shopping matters more when rates are this sensitive to movement. Rates vary by borrower profile and market conditions.
Winters has older housing stock. Conventional appraisals can flag deferred maintenance. Get ahead of it before you're in contract.
Buyers with strong W-2 income and 700+ credit scores get the best conventional pricing. If your profile has wrinkles, we find lenders who price those fairly.
FHA loans allow lower credit scores but carry mortgage insurance for the life of the loan in most cases. Conventional PMI can be removed. That difference matters long-term.
If your purchase price pushes past the conforming loan limit, you'd move into jumbo territory. Winters prices generally stay well within conforming limits.
Yolo County's agricultural economy means some buyers have farm income or self-employment. Conventional lenders handle that — but documentation requirements are strict.
Winters' walkable downtown and proximity to UC Davis make it appealing to professionals and retirees alike. Both buyer profiles can work well with conventional financing.
Most lenders require at least 620. Scores above 700 get the best rates and pricing tiers.
No. You can put as little as 3% down. You'll pay PMI until you reach 20% equity.
Conventional PMI cancels when you hit 20% equity. FHA mortgage insurance usually sticks for the loan's life.
Yes, but lenders want two years of tax returns. Inconsistent income makes qualification harder.
Yolo County's conforming limit covers most Winters transactions. Jumbo financing is rarely needed here.