Jumbo Loan….?

I have read some of the postings about Jumbo Loans. What credit score and income is needed for a couple with 5% down and looking to buy a 620K home in California RIGHT NOW? We have a great opportunity to do so. I have heard that your age, race and location (CA vs. NV for example), makes a difference. Have the big companies shut out Jumbos indefinitely or just for a few months? Any experts out there that can answer and/or help?

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