Conforming Loans

Conforming loans typically refer to loan amounts that conform to government service standards as determined by Fannie Mae & Freddie Mac. These two government agencies, set up in the early 1940’s, were established to help people finance new homes. Conforming loans range in amount from $50,000 to $625,500 depending on the state & county you live in. Normally max conforming loan limit is $417,000.

However, not all conforming loans are serviced by these government agencies. The mortgage industry has adopted the term to express loan amounts in this range. Below are the current conforming loan limits for 1-4 unit/condos, primary residences, and second homes depending on the area you live in. Call us for your exact max conforming loan limit in your area (949) 891-5598:

48 States
General & High Cost

Hawaii / Alaska
General & High Cost

1 Unit$417,000 – $625,500$625,500 – $938,250
2 Units$533,850 – $800,775$800,775 – $1,201,150
3 Units$645,300 – $967,950$967,950 – $1,451,925
4 Units$801,950 – $1,202,925$1,202,925 – $1,804,375