Super Conforming Loan Limits:
Premiere Mortgage Services Inc. www.BainMortgage.com Dana Bain & Robin Bain cover all of MA & NH 800-480-0545 978-422-2311
A super conforming mortgage loan is a term coined by Fannie Mae and Freddie Mac for mortgages in certain parts of the country that are more expensive areas to live. Fannie and Freddie have a mortgage limit of $417,000 in most parts of the country, and anything above that figure they will not buy because it is considered a jumbo loan. Because of the appreciation in home values, certain areas can now apply for loans up to $625,000 and even $729,000 because of the high cost of homes.
2009 Super-Conforming First Mortgage Loan Limits Up to $729,750 Now Available in High-Cost Areas
On February 17, 2009, President Obama signed the American Recovery and Reinvestment Act ("ARRA") which established "high-cost" area conforming loan limits (termed ‘Super-Conforming') in specific counties in addition to the standard conforming loan limits. Please contact your Financial Advisor for more information about Super-Conforming loans.
ARRA High-Cost AreaLoan Limits
|
COUNTY NAME
|
STATE
|
ONE-UNIT LIMIT
|
|
Coconino County
|
AZ
|
$450,000
|
|
Alameda County
|
CA
|
$729,750
|
|
Alpine County
|
CA
|
$547,500
|
|
Amador County
|
CA
|
$443,750
|
|
Calaveras County
|
CA
|
$462,500
|
|
Contra Costa County
|
CA
|
$729,750
|
|
El Dorado County
|
CA
|
$580,000
|
|
Inyo County
|
CA
|
$437,500
|
|
Los Angeles County
|
CA
|
$729,750
|
|
Madera County
|
CA
|
$425,000
|
|
Marin County
|
CA
|
$729,750
|
|
Mendocino County
|
CA
|
$512,500
|
|
Merced County
|
CA
|
$472,500
|
|
Mono County
|
CA
|
$529,000
|
|
Monterey County
|
CA
|
$729,750
|
|
Napa County
|
CA
|
$729,750
|
|
Nevada County
|
CA
|
$562,500
|
|
Orange County
|
CA
|
$729,750
|
|
Placer County
|
CA
|
$580,000
|
|
Riverside County
|
CA
|
$500,000
|
|
Sacramento County
|
CA
|
$580,000
|
|
San Benito County
|
CA
|
$729,750
|
|
San Bernardino County
|
CA
|
$500,000
|
|
San Diego County
|
CA
|
$697,500
|
|
San Francisco County
|
CA
|
$729,750
|
|
San Joaquin County
|
CA
|
$488,750
|
|
San Luis Obispo County
|
CA
|
$687,500
|
|
San Mateo County
|
CA
|
$729,750
|
|
Santa Barbara County
|
CA
|
$729,750
|
|
Santa Clara County
|
CA
|
$729,750
|
|
Santa Cruz County
|
CA
|
$729,750
|
|
Shasta County
|
CA
|
$423,750
|
|
Solano County
|
CA
|
$557,500
|
|
Sonoma County
|
CA
|
$662,500
|
|
Stanislaus County
|
CA
|
$423,750
|
|
Sutter County
|
CA
|
$425,000
|
|
Tuolumne County
|
CA
|
$437,500
|
|
Ventura County
|
CA
|
$729,750
|
|
COUNTY NAME
|
STATE
|
ONE-UNIT LIMIT
|
|
Yolo County
|
CA
|
$580,000
|
|
Yuba County
|
CA
|
$425,000
|
|
Boulder County
|
CO
|
$460,000
|
|
Eagle County
|
CO
|
$729,750
|
|
Garfield County
|
CO
|
$425,000
|
|
Gunnison County
|
CO
|
$433,750
|
|
Hinsdale County
|
CO
|
$557,500
|
|
La Plata County
|
CO
|
$443,750
|
|
Lake County
|
CO
|
$729,750
|
|
Ouray County
|
CO
|
$482,500
|
|
Pitkin County
|
CO
|
$729,750
|
|
Routt County
|
CO
|
$675,000
|
|
San Juan County
|
CO
|
$425,000
|
|
San Miguel County
|
CO
|
$651,250
|
|
Summit County
|
CO
|
$729,750
|
|
Weld County
|
CO
|
$417,500
|
|
Fairfield County
|
CT
|
$708,750
|
|
Hartford County
|
CT
|
$440,000
|
|
Middlesex County
|
CT
|
$440,000
|
|
Tolland County
|
CT
|
$440,000
|
|
New Castle County
|
DE
|
$420,000
|
|
District of Columbia
|
DC
|
$729,750
|
|
Broward County
|
FL
|
$423,750
|
|
Collier County
|
FL
|
$531,250
|
|
Manatee County
|
FL
|
$442,500
|
|
Miami-Dade County
|
FL
|
$423,750
|
|
Monroe County
|
FL
|
$729,750
|
|
Palm Beach County
|
FL
|
$423,750
|
|
Sarasota County
|
FL
|
$442,500
|
|
Greene County
|
GA
|
$662,500
|
|
Hawaii County
|
HI
|
$625,500
|
|
Honolulu County
|
HI
|
$793,750
|
|
Kalawao County
|
HI
|
$716,250
|
|
Kauai County
|
HI
|
$773,750
|
|
Maui County
|
HI
|
$790,000
|
|
Blaine County
|
ID
|
$729,750
|
|
Teton County
|
ID
|
$693,750
|
|
Valley County
|
ID
|
$462,500
|
|
COUNTY NAME
|
STATE
|
ONE-UNIT LIMIT
|
|
Anne Arundel County
|
MD
|
$560,000
|
|
Baltimore City
|
MD
|
$560,000
|
|
Baltimore County
|
MD
|
$560,000
|
|
Calvert County
|
MD
|
$729,750
|
|
Carroll County
|
MD
|
$560,000
|
|
Cecil County
|
MD
|
$420,000
|
|
Charles County
|
MD
|
$729,750
|
|
Frederick County
|
MD
|
$729,750
|
|
Garrett County
|
MD
|
$437,500
|
|
Harford County
|
MD
|
$560,000
|
|
Howard County
|
MD
|
$560,000
|
|
Montgomery County
|
MD
|
$729,750
|
|
Prince George's County
|
MD
|
$729,750
|
|
Queen Anne's County
|
MD
|
$560,000
|
|
Talbot County
|
MD
|
$443,750
|
|
Worcester County
|
MA
|
$437,500
|
|
Barnstable County
|
MA
|
$462,500
|
|
Bristol County
|
MA
|
$475,000
|
|
Dukes County
|
MA
|
$729,750
|
|
Essex County
|
MA
|
$523,750
|
|
Middlesex County
|
MA
|
$523,750
|
|
Nantucket County
|
MA
|
$729,750
|
|
Norfolk County
|
MA
|
$523,750
|
|
Plymouth County
|
MA
|
$523,750
|
|
Suffolk County
|
MA
|
$523,750
|
|
Douglas County
|
NV
|
$468,750
|
|
Rockingham County
|
NH
|
$523,750
|
|
Strafford County
|
NH
|
$523,750
|
|
Atlantic County
|
NJ
|
$453,750
|
|
Bergen County
|
NJ
|
$729,750
|
|
Burlington County
|
NJ
|
$420,000
|
|
Camden County
|
NJ
|
$420,000
|
|
Cape May County
|
NJ
|
$487,500
|
|
Essex County
|
NJ
|
$729,750
|
|
Gloucester County
|
NJ
|
$420,000
|
|
Hudson County
|
NJ
|
$729,750
|
|
Hunterdon County
|
NJ
|
$729,750
|
|
Mercer County
|
NJ
|
$440,000
|
|
COUNTY NAME
|
STATE
|
ONE-UNIT LIMIT
|
|
Middlesex County
|
NJ
|
$729,750
|
|
Monmouth County
|
NJ
|
$729,750
|
|
Morris County
|
NJ
|
$729,750
|
|
Ocean County
|
NJ
|
$729,750
|
|
Passaic County
|
NJ
|
$729,750
|
|
Salem County
|
NJ
|
$420,000
|
|
Somerset County
|
NJ
|
$729,750
|
|
Sussex County
|
NJ
|
$729,750
|
|
Union County
|
NJ
|
$729,750
|
|
Santa Fe County
|
NM
|
$427,500
|
|
Bronx County
|
NY
|
$729,750
|
|
Dutchess County
|
NY
|
$443,750
|
|
Kings County
|
NY
|
$729,750
|
|
Nassau County
|
NY
|
$729,750
|
|
New York County
|
NY
|
$729,750
|
|
Orange County
|
NY
|
$443,750
|
|
Putnam County
|
NY
|
$729,750
|
|
Queens County
|
NY
|
$729,750
|
|
Richmond County
|
NY
|
$729,750
|
|
Rockland County
|
NY
|
$729,750
|
|
Suffolk County
|
NY
|
$729,750
|
|
Westchester County
|
NY
|
$729,750
|
|
Camden County
|
NC
|
$729,750
|
|
Currituck County
|
NC
|
$458,850
|
|
Dare County
|
NC
|
$460,000
|
|
Hyde County
|
NC
|
$483,000
|
|
Pasquotank County
|
NC
|
$729,750
|
|
Perquimans County
|
NC
|
$729,750
|
|
Athens County
|
OH
|
$432,500
|
|
Clackamas County
|
OR
|
$418,750
|
|
Columbia County
|
OR
|
$418,750
|
|
Deschutes County
|
OR
|
$447,500
|
|
Jackson County
|
OR
|
$422,500
|
|
Multnomah County
|
OR
|
$418,750
|
|
Washington County
|
OR
|
$418,750
|
|
Yamhill County
|
OR
|
$418,750
|
|
Bucks County
|
PA
|
$420,000
|
|
Chester County
|
PA
|
$420,000
|
|
Delaware County
|
PA
|
$420,000
|
|
Montgomery County
|
PA
|
$420,000
|
|
Philadelphia County
|
PA
|
$420,000
|
|
Pike County
|
PA
|
$729,750
|
|
York County
|
PA
|
$425,000
|
|
Bristol County
|
RI
|
$475,000
|
|
Kent County
|
RI
|
$475,000
|
|
Newport County
|
RI
|
$475,000
|
|
|
|
|
|
Providence County
|
RI
|
$475,000
|
|
Washington County
|
RI
|
$475,000
|
|
Cannon County
|
TN
|
$432,500
|
|
Cheatham County
|
TN
|
$432,500
|
|
Davidson County
|
TN
|
$432,500
|
|
Dickson County
|
TN
|
$432,500
|
|
Hickman County
|
TN
|
$432,500
|
|
Macon County
|
TN
|
$432,500
|
|
Robertson County
|
TN
|
$432,500
|
|
Rutherford County
|
TN
|
$432,500
|
|
Smith County
|
TN
|
$432,500
|
|
Sumner County
|
TN
|
$432,500
|
|
Trousdale County
|
TN
|
$432,500
|
|
Williamson County
|
TN
|
$432,500
|
|
Wilson County
|
TN
|
$432,500
|
|
Salt Lake County
|
UT
|
$729,750
|
|
Summit County
|
UT
|
$729,750
|
|
Tooele County
|
UT
|
$729,750
|
|
Wasatch County
|
UT
|
$431,250
|
|
Albemarle County
|
VA
|
$437,000
|
|
Alexandria City
|
VA
|
$729,750
|
|
Amelia County
|
VA
|
$535,900
|
|
Arlington County
|
VA
|
$729,750
|
|
Caroline County
|
VA
|
$535,900
|
|
Charles City County
|
VA
|
$535,900
|
|
Charlottesville City
|
VA
|
$437,000
|
|
Chesapeake City
|
VA
|
$458,850
|
|
Chesterfield County
|
VA
|
$535,900
|
|
Clarke County
|
VA
|
$729,750
|
|
Colonial Heights City
|
VA
|
$535,900
|
|
Cumberland County
|
VA
|
$535,900
|
|
Dinwiddie County
|
VA
|
$535,900
|
|
Fairfax City
|
VA
|
$729,750
|
|
Fairfax County
|
VA
|
$729,750
|
|
Falls Church City
|
VA
|
$729,750
|
|
Fauquier County
|
VA
|
$729,750
|
|
Fluvanna County
|
VA
|
$437,000
|
|
Frederick County
|
VA
|
$475,000
|
|
Fredericksburg City
|
VA
|
$729,750
|
|
Gloucester County
|
VA
|
$458,850
|
|
Greene County
|
VA
|
$437,000
|
|
Goochland County
|
VA
|
$535,900
|
|
Hampton City
|
VA
|
$458,850
|
|
Hanover County
|
VA
|
$535,900
|
|
Henrico County
|
VA
|
$535,900
|
|
Hopewell City
|
VA
|
$535,900
|
|
COUNTY NAME
|
STATE
|
ONE-UNIT LIMIT
|
|
Isle of Wight County
|
VA
|
$458,850
|
|
James City County
|
VA
|
$458,850
|
|
King and Queen County
|
VA
|
$535,900
|
|
King William County
|
VA
|
$535,900
|
|
Lancaster County
|
VA
|
$545,000
|
|
Loudoun County
|
VA
|
$729,750
|
|
Louisa County
|
VA
|
$535,900
|
|
Manassas City
|
VA
|
$729,750
|
|
Manassas Park City
|
VA
|
$729,750
|
|
Mathews County
|
VA
|
$458,850
|
|
Nelson County
|
VA
|
$437,000
|
|
New Kent County
|
VA
|
$535,900
|
|
Newport News City
|
VA
|
$458,850
|
|
Norfolk City
|
VA
|
$458,850
|
|
Petersburg City
|
VA
|
$535,900
|
|
Poquoson City
|
VA
|
$458,850
|
|
Portsmouth City
|
VA
|
$458,850
|
|
Powhatan County
|
VA
|
$535,900
|
|
Prince George County
|
VA
|
$535,900
|
|
Prince William County
|
VA
|
$729,750
|
|
Richmond City
|
VA
|
$535,900
|
|
Spotsylvania County
|
VA
|
$729,750
|
|
Stafford County
|
VA
|
$729,750
|
|
Suffolk City
|
VA
|
$458,850
|
|
Surry County
|
VA
|
$458,850
|
|
Sussex County
|
VA
|
$535,900
|
|
Virginia Beach City
|
VA
|
$458,850
|
|
Warren County
|
VA
|
$729,750
|
|
Williamsburg City
|
VA
|
$458,850
|
|
Winchester City
|
VA
|
$475,000
|
|
York County
|
VA
|
$458,850
|
|
Clark County
|
WA
|
$418,750
|
|
Jefferson County
|
WA
|
$437,500
|
|
King County
|
WA
|
$567,500
|
|
Kitsap County
|
WA
|
$475,000
|
|
Pierce County
|
WA
|
$567,500
|
|
San Juan County
|
WA
|
$593,750
|
|
Skamania County
|
WA
|
$418,750
|
|
Snohomish County
|
WA
|
$567,500
|
|
Hampshire County
|
WV
|
$475,000
|
|
Jefferson County
|
WV
|
$729,750
|
|
Teton County
|
Dana K. Bain
President
MLO 18693
www.PremiereMortgageServicesInc.com
www.BainMortgage.com
11 Malvern Hill Road
Sterling, MA 01564
Phone: (978) 422-2311
Toll Free: (800) 480-0545
Fax: (978) 422-2313
MA Lic. No. MB1205
Licensed by the State of NH
Banking Dept. Lic. No. 5430-MBR
|
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