2015 CA Loan Limits – Fannie Mae & Freddie Mac Conforming Loans

2015 CA Loan Limits – Fannie Mae & Freddie Mac  Conforming Loans

Fannie Mae & Freddie Mac’s supervising office, the FHFA, has announced Conforming loan limits for 2015.  The standard conventional loan limit will remain at $417,000 throughout most of the country.   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 most of the same limits as 2014 for 2015, with minimal changes in some high cost counties including San Diego, Napa, Monterey and  Ventura counties in California.   Congress had asked the FHFA to avoid reducing conforming loan limits for 2015 to reduce the impact of limited financing options on the housing market.  It is widely agreed that any reduction in Conventional Loan limits may result in reduced home 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.  

>>> get started here on your Home Loan Pre-approval

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

–> Find 2014 FHA Loan Limits for California here  (to be released soon)

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).

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 $502,550 $643,350 $777,650 $966,450
SALINAS, CA (MSA)

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NAPA $615,250 $787,650 $952,050 $1,183,200
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 $562,350  $719,900 $870,200  $1,081,450
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 $603,750 $772,900 $934,250 $1,161,050
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.