Any loan over $1,017,750 is considered a jumbo loan in Ventura County in 2025.
Check out our jumbo rates below!
A jumbo loan cannot be guaranteed by Fannie Mae and Freddie Mac, which means banks are more conservative in their underwriting. Below are some potential requirements for a jumbo loan:
- 20% minimum down payment
- Lower maximum debt-to-income ratio (43% for some banks)
- Higher credit scores required
- More conservative income calculations
- Required reserve funds
- Required minimum deposits with the lending bank
However, our lenders offer jumbo loan programs that allow debt-to-income ratios up to 50% and do not require reserve funds or deposits with the lender.
Loans at or under $1,017,750 in Ventura County are considered conforming loans and can be guaranteed by Fannie Mae and Freddie Mac which allows for more relaxed underwriting guidelines.
- Down payments as low as 5% are allowed for loans under $1,017,750 in Ventura County, and the entire amount can be a gift.
- Debt-to-income ratios allowed up to 50%
- No reserve funds or low reserve funds required.
- Credit score under 700 can be approved
- No required deposits with the lender.
Check out our conforming loan rates here
If you are looking for a jumbo loan for your home purchase or refinance in Ventura County, we would love to work with you! We can close a jumbo purchase loan in 10 days and a refinance in 15 days. We are the #1 rated mortgage company in Ventura County on Yelp!
| Date Updated | Time |
|---|---|
| May 20, 2025 | 1:45 PM |
| Loan Type | Loan Purpose | Loan Term | Interest | APR | Points |
|---|---|---|---|---|---|
| Jumbo | Purchase | 30 year fixed | 6.250% | 6.339% | 0.782 |
| Jumbo | Purchase | 30 year fixed | 6.500% | 6.515% | 0.000 |
