Raising The Limits:
The Federal Housing Finance Agency has announced they are raising the conforming loan limits which is good news for homeowners and homebuyers in California. This allows some mortgage loans that were previously labeled “jumbo” to now be placed in the conforming loan limit category. Here are the 2019 Conforming Loan Limits for the 58 counties in California. “One-Unit” refers to a property with one structure (ie a 
Single Family Residence – SFR), “Two-Unit” is a Duplex etc. Home values have increased over the last few years and raising the loan limits allows more people to qualify for the best available mortgage rates. The Federal Housing Finance Agency (FHFA) updates their conforming loan limits ever year.
JB Mortgage Capital, Inc.:
We offer a wide variety of conforming loan programs. From 30 year fixed rate loan programs all the way down to 10 year fixed rate loan programs; we cover a wide spectrum of loan programs to ensure we match our clients needs. We offer the the best of both worlds when it comes to the mortgage rates and service we provide. Working with JBMC, Inc. you’ll have access to internet low mortgage rates and one-on-one personal service. From application to closing you’ll work with one Loan Officer which enables a much more efficient loan process. We’ve deployed the latest technology to ensure our mortgage rates are among the most competitive in the industry. We have an “A+” rating with the Better Business Bureau, a “AAA” rating with the Business Consumers Alliance and a “Five Star Rating” with Zillow. Give us a call today to get a no cost – no obligation quote: 1-800-550-5538 or submit an online request for more information (see to the right of this page).
Conforming Loan Amounts In California:
County | State | One-Unit | Two-Unit | Three-Unit | Four-Unit |
| ALAMEDA | CA | $ 726,525 | $ 930,300 | $ 1,124,475 | $ 1,397,400 |
| ALPINE | CA | $ 484,350 | $ 620,200 | $ 749,650 | $ 931,600 |
| AMADOR | CA | $ 484,350 | $ 620,200 | $ 749,650 | $ 931,600 |
| BUTTE | CA | $ 484,350 | $ 620,200 | $ 749,650 | $ 931,600 |
| CALAVERAS | CA | $ 484,350 | $ 620,200 | $ 749,650 | $ 931,600 |
| COLUSA | CA | $ 484,350 | $ 620,200 | $ 749,650 | $ 931,600 |
| CONTRA COSTA | CA | $ 726,525 | $ 930,300 | $ 1,124,475 | $ 1,397,400 |
| DEL NORTE | CA | $ 484,350 | $ 620,200 | $ 749,650 | $ 931,600 |
| EL DORADO | CA | $ 552,000 | $ 706,650 | $ 854,200 | $ 1,061,550 |
| FRESNO | CA | $ 484,350 | $ 620,200 | $ 749,650 | $ 931,600 |
| GLENN | CA | $ 484,350 | $ 620,200 | $ 749,650 | $ 931,600 |
| HUMBOLDT | CA | $ 484,350 | $ 620,200 | $ 749,650 | $ 931,600 |
| IMPERIAL | CA | $ 484,350 | $ 620,200 | $ 749,650 | $ 931,600 |
| INYO | CA | $ 484,350 | $ 620,200 | $ 749,650 | $ 931,600 |
| KERN | CA | $ 484,350 | $ 620,200 | $ 749,650 | $ 931,600 |
| KINGS | CA | $ 484,350 | $ 620,200 | $ 749,650 | $ 931,600 |
| LAKE | CA | $ 484,350 | $ 620,200 | $ 749,650 | $ 931,600 |
| LASSEN | CA | $ 484,350 | $ 620,200 | $ 749,650 | $ 931,600 |
| LOS ANGELES | CA | $ 726,525 | $ 930,300 | $ 1,124,475 | $ 1,397,400 |
| MADERA | CA | $ 484,350 | $ 620,200 | $ 749,650 | $ 931,600 |
| MARIN | CA | $ 726,525 | $ 930,300 | $ 1,124,475 | $ 1,397,400 |
| MARIPOSA | CA | $ 484,350 | $ 620,200 | $ 749,650 | $ 931,600 |
| MENDOCINO | CA | $ 484,350 | $ 620,200 | $ 749,650 | $ 931,600 |
| MERCED | CA | $ 484,350 | $ 620,200 | $ 749,650 | $ 931,600 |
| MODOC | CA | $ 484,350 | $ 620,200 | $ 749,650 | $ 931,600 |
| MONO | CA | $ 529,000 | $ 677,200 | $ 818,600 | $ 1,017,300 |
| MONTEREY | CA | $ 652,050 | $ 834,750 | $ 1,009,000 | $ 1,253,950 |
| NAPA | CA | $ 726,525 | $ 930,300 | $ 1,124,475 | $ 1,397,400 |
| NEVADA | CA | $ 486,450 | $ 622,750 | $ 752,750 | $ 935,500 |
| ORANGE | CA | $ 726,525 | $ 930,300 | $ 1,124,475 | $ 1,397,400 |
| PLACER | CA | $ 552,000 | $ 706,650 | $ 854,200 | $ 1,061,550 |
| PLUMAS | CA | $ 484,350 | $ 620,200 | $ 749,650 | $ 931,600 |
| RIVERSIDE | CA | $ 484,350 | $ 620,200 | $ 749,650 | $ 931,600 |
| SACRAMENTO | CA | $ 552,000 | $ 706,650 | $ 854,200 | $ 1,061,550 |
| SAN BENITO | CA | $ 726,525 | $ 930,300 | $ 1,124,475 | $ 1,397,400 |
| SAN BERNARDINO | CA | $ 484,350 | $ 620,200 | $ 749,650 | $ 931,600 |
| SAN DIEGO | CA | $ 690,000 | $ 883,300 | $ 1,067,750 | $ 1,326,950 |
| SAN FRANCISCO | CA | $ 726,525 | $ 930,300 | $ 1,124,475 | $ 1,397,400 |
| SAN JOAQUIN | CA | $ 484,350 | $ 620,200 | $ 749,650 | $ 931,600 |
| SAN LUIS OBISPO | CA | $ 667,000 | $ 853,900 | $ 1,032,150 | $ 1,282,700 |
| SAN MATEO | CA | $ 726,525 | $ 930,300 | $ 1,124,475 | $ 1,397,400 |
| SANTA BARBARA | CA | $ 625,500 | $ 800,775 | $ 967,950 | $ 1,202,925 |
| SANTA CLARA | CA | $ 726,525 | $ 930,300 | $ 1,124,475 | $ 1,397,400 |
| SANTA CRUZ | CA | $ 726,525 | $ 930,300 | $ 1,124,475 | $ 1,397,400 |
| SHASTA | CA | $ 484,350 | $ 620,200 | $ 749,650 | $ 931,600 |
| SIERRA | CA | $ 484,350 | $ 620,200 | $ 749,650 | $ 931,600 |
| SISKIYOU | CA | $ 484,350 | $ 620,200 | $ 749,650 | $ 931,600 |
| SOLANO | CA | $ 494,500 | $ 633,050 | $ 765,200 | $ 950,950 |
| SONOMA | CA | $ 704,950 | $ 902,450 | $ 1,090,850 | $ 1,355,700 |
| STANISLAUS | CA | $ 484,350 | $ 620,200 | $ 749,650 | $ 931,600 |
| SUTTER | CA | $ 484,350 | $ 620,200 | $ 749,650 | $ 931,600 |
| TEHAMA | CA | $ 484,350 | $ 620,200 | $ 749,650 | $ 931,600 |
| TRINITY | CA | $ 484,350 | $ 620,200 | $ 749,650 | $ 931,600 |
| TULARE | CA | $ 484,350 | $ 620,200 | $ 749,650 | $ 931,600 |
| TUOLUMNE | CA | $ 484,350 | $ 620,200 | $ 749,650 | $ 931,600 |
| VENTURA | CA | $ 713,000 | $ 912,750 | $ 1,103,350 | $ 1,371,150 |
| YOLO | CA | $ 552,000 | $ 706,650 | $ 854,200 | $ 1,061,550 |
| YUBA | CA | $ 484,350 | $ 620,200 | $ 749,650 | $ 931,600 |
These increases will help many homeowners and homebuyers in California obtain better mortgage rates in 2019.
Rising Prices Bring Higher Limits in 2019:
At the end of 2018, federal housing officials increased the conforming loan limits for California; and in a November 27 press release, the Federal Housing Finance Agency stated:
“Washington, D.C. – The Federal Housing Finance Agency (FHFA) today announced the maximum conforming loan limits for mortgages to be acquired by Fannie Mae and Freddie Mac in 2019. In most of the U.S., the 2019 maximum conforming loan limit for one-unit properties will be $484,350, an increase from $453,100 in 2018.
Baseline limit:
The Housing and Economic Recovery Act (HERA) requires that the baseline conforming loan limit be adjusted each year for Fannie Mae and Freddie Mac to reflect the change in the average U.S. home price. Earlier today, FHFA published its third quarter 2018 House Price Index (HPI) report, which includes estimates for the increase in the average U.S. home value over the last four quarters. According to FHFA’s seasonally adjusted, expanded-data HPI, house prices increased 6.9 percent, on average, between the third quarters of 2017 and 2018. Therefore, the baseline maximum conforming loan limit in 2019 will increase by the same percentage.”
For the most current information available, visit www.FHFA.gov.