2013 California Fannie Mae & Freddie Mac Loan limits for 2013 - FNMA & FHLMC - AKA Conforming Loans
Fannie Mae & Freddie Mac have announced Conforming loan limits for 2013. 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. These loans are also called Conforming Jumbo, Conforming High Balance, or Super Conforming loans.
There are different debt ratio maximums and loan to value ratios for the Fannie Mae & Freddie Mac loans that exceed the standard limit of $417K. They require a minimum of 10% down payment and a maximum debt ratio of 45%.
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 $483,000 $618,300 $747,400 $928,850
SALINAS, CA (MSA)
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NAPA $625,500 $800,775 $967,950 $1,202,925
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 $425,000 $544,050 $657,650 $817,300
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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