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Conforming loans are the variety of mortgages offered through Fannie Mae and Freddie Mac. In order to be qualified as a conforming loan, the mortgage loan will have to be under a certain amount of money. Currently, it has to be less than $453,100 on a single family residence in order to qualify as a conforming loan. If the loan is above $453,100  it would be classified as a Super Conforming  loan (available in high-value counties such as Santa Clara County), or as a non-conforming Jumbo (up to 2 million dollars).’  See the Loan Options scroll-down.

Conforming Loan Limits

  • The conventional loan limit for a 1-unit home: $453,100
  • The conventional loan limit for a 2-unit home: $580,150
  • The conventional loan limit for a 3-unit home: $701,250
  • The conventional loan limit for a 4-unit home: $871,450

Conforming loans offer low-interest rates and low costs.  We believe that our rates and costs are among the very best in the mortgage industry.

You can buy a home with as little as 3% down payment.  Please see the LOW DOWNPAYMENT loans in this scroll-down.

Refinancing is available for loan sizes of up to 97% of the home value (97% loan-to-value ratio, known as LTV).  You can take cash out up to 80% LTV.  The most popular conventional loans are the 30 year and 15 year fixed rate loans.

Contact us and we’ll quickly qualify your loan, and give you the estimated payments, costs, and rates.

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