2014 California Conforming Conventional Loan Limits - Fannie and Freddie

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Mortgage and Lending with VanDyk Mortgage - VA, FHA, Conventional, VA Jumbo, Jumbo, Purchase Loans, & Refinance, Direct Lender NMLS 220268 / 3035

2014 California Conforming Conventional Loan Limits - Fannie Mae & Freddie Mac Loan limits for 2014 - FNMA & FHLMC - AKA Conforming Loans

Fannie Mae & Freddie Mac have announced Conforming loan limits for 2014. The standard conventional loan limit remains at $417K across the USA. This is also called the Conforming Loan Limit ($417K).  High Cost Areas have loan limits based on the Permanent High Cost Loan Limit established in the HERA bill. The FHFA has retained the same limits as 2013 for 2014, seeking to reduce the impact of any Loan Limit reductions on the housing market, as a reduction in Conventional limits may result in depressed values in some markets. These loans are also called Conforming Jumbo, Conforming High Balance, or Super Conforming loans.

We offer Conventional loans with as little as 5% down up to $417K loan amounts, and for Loan amounts over $417K up to the County Loan Limit, we require 10% down payment.  

We also offer a piggyback second mortgage if you would like to exceed these limits, this option requires 10% down payment. 

VanDyk Mortgage offers FHA, VA, & Conventional loans in addition to FHA Jumbo, VA Jumbo, and Conforming Jumbo loans (aka FHA High Balance, VA High Balance, and Conforming High Balance).

 County     /  1 unit     / 2 unit    / 3 unit     / 4 unit 

ALAMEDA $625,500 $800,775 $967,950 $1,202,925

OAKLAND-FREMONT-HAYWARD, CA METROPOLITAN DIVISION

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ALPINE $463,450 $593,300 $645,300 $891,250
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AMADOR $417,000 $533,850 $645,300 $801,950

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BUTTE $417,000 $533,850 $645,300 $801,950
CHICO, CA (MSA)

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CALAVERAS $417,000 $533,850 $645,300 $801,950
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COLUSA $417,000 $533,850 $645,300 $801,950

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CONTRA COSTA $625,500 $800,775 $967,950 $1,202,925
OAKLAND-FREMONT-HAYWARD, CA METROPOLITAN DIVISION

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DEL NORTE $417,000 $533,850 $645,300 $801,950


CRESCENT CITY, CA (MICRO)

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EL DORADO $474,950 $608,000 $734,950 $913,350
SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA (MSA)

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FRESNO $417,000 $533,850 $645,300 $801,950
FRESNO, CA (MSA)

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GLENN $417,000 $533,850 $645,300 $801,950

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HUMBOLDT $417,000 $533,850 $645,300 $801,950

EUREKA-ARCATA-FORTUNA, CA (MICRO)

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IMPERIAL $417,000 $533,850 $645,300 $801,950

EL CENTRO, CA (MSA)

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INYO $417,000 $533,850 $645,300 $801,950
BISHOP, CA (MICRO)

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KERN $417,000 $533,850 $645,300 $801,950
BAKERSFIELD, CA (MSA)

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KINGS $417,000 $533,850 $645,300 $801,950
HANFORD-CORCORAN, CA (MSA)

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LAKE $$417,000 $533,850 $645,300 $801,950

CLEARLAKE, CA (MICRO)

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LASSEN $417,000 $533,850 $645,300 $801,950

SUSANVILLE, CA (MICRO)

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LOS ANGELES $625,500 $800,775 $967,950 $1,202,925
LOS ANGELES-LONG BEACH-GLENDALE, CA METROPOLITAN D

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MADERA $417,000 $533,850 $645,300 $801,950
MADERA, CA (MSA)

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MARIN $625,500 $800,775 $967,950 $1,202,925
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA METROPOLI

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MARIPOSA $417,000 $533,850 $645,300 $801,950--------------------------------------------------------------------------------

MENDOCINO $417,000 $533,850 $645,300 $801,950
UKIAH, CA (MICRO)

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MERCED $417,000 $533,850 $645,300 $801,950
MERCED, CA (MSA)

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MODOC $417,000 $533,850 $645,300 $801,950
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MONO $529,000 $677,200 $818,600 $1,017,300
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MONTEREY $483,000 $618,300 $747,400 $928,850
SALINAS, CA (MSA)

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NAPA $592,250 $758,200 $916,450 $1,138,950
NAPA, CA (MSA)

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NEVADA $477,250 $610,950 $738,500 $917,800
TRUCKEE-GRASS VALLEY, CA (MICRO)

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ORANGE $625,500 $800,775 $967,950 $1,202,925
SANTA ANA-ANAHEIM-IRVINE, CA METROPOLITAN DIVISION

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PLACER $474,950 $608,000 $734,950 $913,350
SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA (MSA)

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PLUMAS $417,000 $533,850 $645,300 $801,950
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RIVERSIDE $417,000 $533,850 $645,300 $801,950
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (MSA)

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SACRAMENTO $474,950 $608,000 $734,950 $913,350

SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA (MSA)

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SAN BENITO $625,500 $800,775 $967,950 $1,202,925
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (MSA)

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SAN BERNARDINO $417,000 $533,850 $645,300 $801,950
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (MSA)

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SAN DIEGO $546,250 $699,300 $845,300 $1,050,500
SAN DIEGO-CARLSBAD-SAN MARCOS, CA (MSA)

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SAN FRANCISCO $625,500 $800,775 $967,950 $1,202,925
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA METROPOLI

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SAN JOAQUIN $417,000 $533,850 $645,300 $801,950
STOCKTON, CA (MSA)

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SAN LUIS OBISPO $561,200 $718,450 $868,400 $1,079,250
SAN LUIS OBISPO-PASO ROBLES, CA (MSA)

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SAN MATEO $625,500 $800,775 $967,950 $1,202,925
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA METROPOLI

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SANTA BARBARA $625,500 $800,775 $967,950 $1,202,925
SANTA BARBARA-SANTA MARIA, CA (MSA)

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SANTA CLARA $625,500 $800,775 $967,950 $1,202,925
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (MSA)

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SANTA CRUZ $625,500 $800,775 $967,950 $1,202,925
SANTA CRUZ-WATSONVILLE, CA (MSA)

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SHASTA $417,000 $533,850 $645,300 $801,950
REDDING, CA (MSA)

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SIERRA $417,000 $533,850 $645,300 $801,950
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SISKIYOU $417,000 $533,850 $645,300 $801,950
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SOLANO $417,000 $533,850 $645,300 $801,950
VALLEJO-FAIRFIELD, CA (MSA)

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SONOMA $520,950 $666,900 $806,150 $1,001,850
SANTA ROSA-PETALUMA, CA (MSA)

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STANISLAUS $417,000 $533,850 $645,300 $801,950
MODESTO, CA (MSA)

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SUTTER $417,000 $533,850 $645,300 $801,950
YUBA CITY, CA (MSA)

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TEHAMA $417,000 $533,850 $645,300 $801,950
RED BLUFF, CA (MICRO)

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TRINITY $417,000 $533,850 $645,300 $801,950
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TULARE $417,000 $533,850 $645,300 $801,950
VISALIA-PORTERVILLE, CA (MSA)

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TUOLUMNE $417,000 $533,850 $645,300 $801,950
PHOENIX LAKE-CEDAR RIDGE, CA (MICRO)

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VENTURA $598,000 $765,550 $925,350 $1,150,000
OXNARD-THOUSAND OAKS-VENTURA, CA (MSA)

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YOLO $474,950 $608,000 $734,950 $913,350

SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA (MSA)

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YUBA $417,000 $533,850 $645,300 $801,950
YUBA CITY, CA (MSA)

 

We serve the following areas for FHA and Conventional loans: California, San Diego, San Marcos, Carlsbad, Oceanside, Vista, Escondido, Fallbrook, Bonsall, Riverside, Los Angeles, Orange County, Irvine, Corona, Anaheim, Santa Ana, Seattle, Washington, Bellevue, Kirkland, Redmond, Lynnwood, Olympia, Tacoma, Puyallup, Buckley, Auburn, Kent, Federal Way, Seatac, San Francisco, San Jose, Carson, Gardena, Hawthorne, Lawndale, Inglewood, Ladera Heights, View Park, Windsor Hills, Baldwin Hills, Fox Hills, Culver City, Beverly Hills, Malibu, Santa Monica, Brentwood, Calabasas, Encino, Bel Air Estates, Palos Verdes Estates, Rancho Palos Verdes, Rolling Hills, Rolling Hills Estates, Manhattan Beach, Redondo Beach, Hermosa Beach, Torrance, San Marcos, San Diego, Rancho Bernardo, Carlsbad, Escondido, Poway, Oceanside, Vista, Encinitas, Carmel Valley, Scripps, Tierra Santa, El Cajon, La Jolla, Chula Vista, National City, San Ysidro, Santee, Eastlake, Ramona, Long Beach, Artesia, La Palma, Cerritos, Compton, Lynwood, Bellflower, Temecula, Murrieta, Southern California, Northern California, Washington, Everett, Lynnwood, Tacoma, Kent, Federal Way, Auburn, Renton, Bellevue, Redmond, Kirkland, Whittier, Santa Fe Springs, Downey, Irvine, Newport Beach, Los Angeles, San Bernardino, Riverside and Orange County.

 

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