Loading...
Jumbo home loans in Sunset, UT for properties that exceed the current FHFA conforming limit for the county. This is not a quote.
Compare loan options against Sunset's $345K median price point before you shop, refinance, or lock a rate.
Nearby Coverage
For Sunset properties priced above conforming loan limits, a jumbo mortgage is the financing path when the purchase price exceeds FHFA limits. With a median home price of $345,000, Sunset includes both entry-level and high-value homes, and the high end requires specialized financing. Jumbo loans are used for Sunset neighborhoods where homes regularly exceed $750,000. Buyers in the Davis School District area where home values can reach $1M+ work with jumbo lenders who can structure financing around complex income documentation common in Sunset's tech and professional employment base.
Sunset is a small-town pocket within the Davis County suburban sprawl. Main Street has a handful of local businesses, a pizza shop, and a gas station, it's not a destination, but it's convenient. The FrontRunner station in Clearfield is a 5-minute drive for SLC commuters. City parks host pick-up basketball and evening walks. Shopping and dining happen in Clearfield or Layton, both 5–10 minutes away. Sunset Fun Days in summer is a neighborhood-scale celebration with bounce houses, food trucks, and a community talent show. The pace is small-town and affordable relative to Layton and Kaysville.
Median Home Price
$345K
Median Rent
$1,300/mo
Population
5,500
Annual Growth
1.0%
Avg Days on Market
18
Owner-Occupied
58%
Ondo city medians as of Aug 2026 — verify. Not an MLS pull, appraisal, BPO, or CMA. Population and annual growth are approximate and are not tied to a named public source here. Check the U.S. Census Bureau for official figures.
Jumbo loans require thorough documentation. We review your income, assets, reserves, and credit to match you with lenders whose guidelines fit your profile. Self-employed borrowers and those with complex income need a lender experienced with non-standard documentation.
We compare jumbo rates and terms from multiple portfolio lenders and correspondent lenders. Jumbo pricing varies more between lenders than conforming loans, so shopping is especially valuable at this price point.
High-value properties often require a full appraisal by an appraiser experienced with luxury homes. We ensure the appraiser has comparable sales data that supports your purchase price, and manage the underwriting process to a smooth close.
School District: Davis School District
Notable schools: Sunset Elementary, Sunset Junior High, Clearfield High School
Small city adjacent to Hill Air Force Base with affordable post-war housing stock.
Outdoor Activities
Local Landmarks
Conforming loan limits are set annually by the Federal Housing Finance Agency. In most Utah counties, the limit for a single-family home is updated each year. Properties priced above this limit require jumbo financing. We can confirm the current limit for your county and help you determine whether conforming or jumbo financing is the right path. Some high-cost areas may have higher conforming limits.
Jumbo loans typically require a minimum credit score of 700–720, a down payment of 10–20% (some lenders offer 10% down with strong reserves), 6–12 months of reserves after closing, and a debt-to-income ratio below 43%. Requirements vary by lender, portfolio lenders often have more flexibility on income documentation and reserve requirements.
Not necessarily. The spread between jumbo and conforming pricing changes. Compare Loan Estimates. We will not publish a promised spread such as 0.125–0.25%.
Yes, but expect stricter requirements. Investment property jumbo loans typically require 25–30% down, credit scores of 720+, and 12 months of reserves. Rental income from the subject property may be used to qualify if supported by a lease or comparable rent analysis. We work with lenders experienced in investor jumbo financing.
Treat Sunset like any small Davis County market: pull comps, budget for older housing stock, and use professional management. For public safety, check Sunset Police and Utah DPS data for the specific block and several recent years rather than a city-wide headline. Lighting, locks, and maintenance are operational items we can address; they are not a substitute for current public data.
Most Sunset homes are 50–70 years old and show their age, expect original windows, aging HVAC systems, and dated kitchens. The upside is that purchase prices already reflect deferred maintenance, so investors buying at current basis can renovate strategically. A $20K–$35K update budget for kitchen, bath, flooring, and paint can transform a dated Sunset home into a competitive rental that commands rents comparable to Clinton or Clearfield properties.
Demand is price-sensitive and tied to Hill AFB, nearby retail jobs, Davis School District zoning, and the Clearfield FrontRunner commute to SLC. Turnover can be higher than in pricier Davis County cities, so budget for turns and competitive renewal pricing.
View available times and book a free 30-minute consultation
Send details for notary, loan signing, property questions, or anything that needs a follow-up from our team.
Loan information is provided by Ondo Real Estate (NMLS ID on file). This is not a commitment to lend, a loan approval, or an offer of credit. Rates, terms, and payments shown are estimates for illustration only, are not a quote, and are subject to credit approval, underwriting, and market conditions. You are not required to use Ondo for financing to buy or sell with Ondo. Equal Housing Lender. Program rules, fees, and county loan limits change. Confirm the current published schedule and lender overlays. Nothing here is a quote, a lock, or a credit decision. Licensing and disclosures