The 3 most common fixed loan limits are:
The loan limits vary for 1 unit (single family detached, condo or PUD), 2 units (duplex), 3 units (Triplex) and 4 units (fourplex).
The chart below shows the limits for each California County. Loans about the highest high balance limit are classified as Jumbo.
Generally speaking, conforming loans have lower pricing than high balance and jumbo. Pricing will also vary with the loan to value, down payment, credit score and qualifying ratios. Since these are determined case-by-case, call us with questions and for specific information. Some of our loan programs offer special pricing incentives such as down payment required, location based on area median, etc. Many of these are offered for “first time buyers” which are generally those who do not currently own a home or have not owned one in the last 3 years. When you have questions about these, call us for current information, options and to help you choose the best option for you based on your current needs, goals, budget and lifestyle.
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