Conforming Loan Limits In California

On November 27th, 2018 FHFA announced they were 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.

At JB Mortgage Capital, Inc. we offer the best of both worlds; low mortgage rates along with one-on-one personal service from application to closing. Unlike big box lenders, we don’t have a call center and we don’t pass you from one department to the next during the loan process. And unlike those small brick and mortar local banks, we offer industry low mortgage rates. 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) ————————>>>>>>>>>

County

State

One-Unit

Two-Unit

Three-Unit

Four-Unit

ALAMEDACA $  726,525 $  930,300 $   1,124,475 $   1,397,400
ALPINECA $  484,350 $  620,200 $     749,650 $     931,600
AMADORCA $  484,350 $  620,200 $     749,650 $     931,600
BUTTECA $  484,350 $  620,200 $     749,650 $     931,600
CALAVERASCA $  484,350 $  620,200 $     749,650 $     931,600
COLUSACA $  484,350 $  620,200 $     749,650 $     931,600
CONTRA COSTACA $  726,525 $  930,300 $   1,124,475 $   1,397,400
DEL NORTECA $  484,350 $  620,200 $     749,650 $     931,600
EL DORADOCA $  552,000 $  706,650 $     854,200 $   1,061,550
FRESNOCA $  484,350 $  620,200 $     749,650 $     931,600
GLENNCA $  484,350 $  620,200 $     749,650 $     931,600
HUMBOLDTCA $  484,350 $  620,200 $     749,650 $     931,600
IMPERIALCA $  484,350 $  620,200 $     749,650 $     931,600
INYOCA $  484,350 $  620,200 $     749,650 $     931,600
KERNCA $  484,350 $  620,200 $     749,650 $     931,600
KINGSCA $  484,350 $  620,200 $     749,650 $     931,600
LAKECA $  484,350 $  620,200 $     749,650 $     931,600
LASSENCA $  484,350 $  620,200 $     749,650 $     931,600
LOS ANGELESCA $  726,525 $  930,300 $   1,124,475 $   1,397,400
MADERACA $  484,350 $  620,200 $     749,650 $     931,600
MARINCA $  726,525 $  930,300 $   1,124,475 $   1,397,400
MARIPOSACA $  484,350 $  620,200 $     749,650 $     931,600
MENDOCINOCA $  484,350 $  620,200 $     749,650 $     931,600
MERCEDCA $  484,350 $  620,200 $     749,650 $     931,600
MODOCCA $  484,350 $  620,200 $     749,650 $     931,600
MONOCA $  529,000 $  677,200 $     818,600 $   1,017,300
MONTEREYCA $  652,050 $  834,750 $   1,009,000 $   1,253,950
NAPACA $  726,525 $  930,300 $   1,124,475 $   1,397,400
NEVADACA $  486,450 $  622,750 $     752,750 $     935,500
ORANGECA $  726,525 $  930,300 $   1,124,475 $   1,397,400
PLACERCA $  552,000 $  706,650 $     854,200 $   1,061,550
PLUMASCA $  484,350 $  620,200 $     749,650 $     931,600
RIVERSIDECA $  484,350 $  620,200 $     749,650 $     931,600
SACRAMENTOCA $  552,000 $  706,650 $     854,200 $   1,061,550
SAN BENITOCA $  726,525 $  930,300 $   1,124,475 $   1,397,400
SAN BERNARDINOCA $  484,350 $  620,200 $     749,650 $     931,600
SAN DIEGOCA $  690,000 $  883,300 $   1,067,750 $   1,326,950
SAN FRANCISCOCA $  726,525 $  930,300 $   1,124,475 $   1,397,400
SAN JOAQUINCA $  484,350 $  620,200 $     749,650 $     931,600
SAN LUIS OBISPOCA $  667,000 $  853,900 $   1,032,150 $   1,282,700
SAN MATEOCA $  726,525 $  930,300 $   1,124,475 $   1,397,400
SANTA BARBARACA $  625,500 $  800,775 $     967,950 $   1,202,925
SANTA CLARACA $  726,525 $  930,300 $   1,124,475 $   1,397,400
SANTA CRUZCA $  726,525 $  930,300 $   1,124,475 $   1,397,400
SHASTACA $  484,350 $  620,200 $     749,650 $     931,600
SIERRACA $  484,350 $  620,200 $     749,650 $     931,600
SISKIYOUCA $  484,350 $  620,200 $     749,650 $     931,600
SOLANOCA $  494,500 $  633,050 $     765,200 $     950,950
SONOMACA $  704,950 $  902,450 $   1,090,850 $   1,355,700
STANISLAUSCA $  484,350 $  620,200 $     749,650 $     931,600
SUTTERCA $  484,350 $  620,200 $     749,650 $     931,600
TEHAMACA $  484,350 $  620,200 $     749,650 $     931,600
TRINITYCA $  484,350 $  620,200 $     749,650 $     931,600
TULARECA $  484,350 $  620,200 $     749,650 $     931,600
TUOLUMNECA $  484,350 $  620,200 $     749,650 $     931,600
VENTURACA $  713,000 $  912,750 $   1,103,350 $   1,371,150
YOLOCA $  552,000 $  706,650 $     854,200 $   1,061,550
YUBACA $  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.