California FHA Loan Limits for 2013

 

For 2013,  Congress has restored the higher FHA Loan Limits also known as Temporary High Balance or FHA Jumbo Loan Limits.   These allow homebuyers to purchase homes in higher cost areas with as little as 3.5% down payment.   The higher FHA Loan Limits also allow homeowners to refinance their non-FHA loans into safe, secure FHA loans up to 97.75% Loan to value, and can even help you consolidate your first and second mortgage in one loan with a 30 year fixed rate.   VanDyk Mortgage allows you to consolidate a second mortgage or Home Equity Line of Credit into a FHA Loan without classifying it as cash out as long as the second is over 12 months old, or the Home Equity Line hasn’t been drawn upon in the last 12 months.   We also allow Cash out Refinances up to 85% with our FHA Loans.  

 

California FHA Loan limits by county for 2013

 

VanDyk offers FHA Loans up to the full FHA loan limit for every county that we serve.   FHA Loans for single family homes are available up to $729,750 in higher cost counties such as Los Angeles, San Francisco, Alameda, Contra Costra, Monterey, Orange County, Santa Clara, Santa Cruz, Ventura, San Benito, Marin, and Santa Barbara.   San Diego Homebuyers and Homeowners can get FHA Loans up to $697,500, Riverside and San Bernardino up to $500,000, Sacramento, El Dorado, and Placer counties up to $580,000.  Here is a list of the FHA loan limits for Single Family, Duples, Tri-plex and Four-Plex for all California counties:

 

County Name Single Family Duplex Tri-plex Four-plex

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ALAMEDA $729,750 $934,200 $1,129,250 $1,403,400

OAKLAND-FREMONT-HAYWARD, CA METROPOLITAN DIVISION

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ALPINE $547,500 $700,900 $847,200 $1,052,900

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AMADOR $443,750 $568,050 $686,650 $853,350

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BUTTE $400,000 $512,050 $618,950 $769,250

CHICO, CA (MSA)

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CALAVERAS $462,500 $592,050 $715,700 $889,450

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COLUSA $397,500 $508,850 $615,100 $764,400

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CONTRA COSTA $729,750 $934,200 $1,129,250 $1,403,400

OAKLAND-FREMONT-HAYWARD, CA METROPOLITAN DIVISION

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DEL NORTE $311,250 $398,450 $481,650 $598,550

CRESCENT CITY, CA (MICRO)

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EL DORADO $580,000 $742,500 $897,500 $1,115,400

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

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FRESNO $381,250 $488,050 $589,950 $733,150

FRESNO, CA (MSA)

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GLENN $287,500 $368,050 $444,900 $552,900

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HUMBOLDT $393,750 $504,050 $609,300 $757,200

EUREKA-ARCATA-FORTUNA, CA (MICRO)

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IMPERIAL $325,000 $416,050 $502,900 $625,000

EL CENTRO, CA (MSA)

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INYO $437,500 $560,050 $677,000 $841,350

BISHOP, CA (MICRO)

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KERN $368,750 $472,050 $570,600 $709,150

BAKERSFIELD, CA (MSA)

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KINGS $325,000 $416,050 $502,900 $625,000

HANFORD-CORCORAN, CA (MSA)

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LAKE $401,250 $513,650 $620,900 $771,650

CLEARLAKE, CA (MICRO)

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LASSEN $285,000 $364,850 $441,000 $548,050

SUSANVILLE, CA (MICRO)

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LOS ANGELES $729,750 $934,200 $1,129,250 $1,403,400

LOS ANGELES-LONG BEACH-GLENDALE, CA METROPOLITAN D

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MADERA $425,000 $544,050 $657,650 $817,300

MADERA, CA (MSA)

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MARIN $729,750 $934,200 $1,129,250 $1,403,400

SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA METROPOLI

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MARIPOSA $412,500 $528,050 $638,300 $793,250

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MENDOCINO $512,500 $656,100 $793,050 $985,600

UKIAH, CA (MICRO)

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MERCED $472,500 $604,900 $731,150 $908,650

MERCED, CA (MSA)

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MODOC $271,050 $347,000 $419,425 $521,250

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MONO $529,000 $677,200 $818,600 $1,017,300

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MONTEREY $729,750 $934,200 $1,129,250 $1,403,400

SALINAS, CA (MSA)

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NAPA $729,750 $934,200 $1,129,250 $1,403,400

NAPA, CA (MSA)

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NEVADA $562,500 $720,100 $870,450 $1,081,750

TRUCKEE-GRASS VALLEY, CA (MICRO)

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ORANGE $729,750 $934,200 $1,129,250 $1,403,400

SANTA ANA-ANAHEIM-IRVINE, CA METROPOLITAN DIVISION

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PLACER $580,000 $742,500 $897,500 $1,115,400

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

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PLUMAS $410,000 $524,850 $634,450 $788,450

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RIVERSIDE $500,000 $640,100 $773,700 $961,550

RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (MSA)

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SACRAMENTO $580,000 $742,500 $897,500 $1,115,400

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

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SAN BENITO $729,750 $934,200 $1,129,250 $1,403,400

SAN JOSE-SUNNYVALE-SANTA CLARA, CA (MSA)

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SAN BERNARDINO $500,000 $640,100 $773,700 $961,550

RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (MSA)

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SAN DIEGO $697,500 $892,950 $1,079,350 $1,341,350

SAN DIEGO-CARLSBAD-SAN MARCOS, CA (MSA)

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SAN FRANCISCO $729,750 $934,200 $1,129,250 $1,403,400

SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA METROPOLI

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SAN JOAQUIN $488,750 $625,700 $756,300 $939,900

STOCKTON, CA (MSA)

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SAN LUIS OBISPO $687,500 $880,100 $1,063,850 $1,322,150

SAN LUIS OBISPO-PASO ROBLES, CA (MSA)

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SAN MATEO $729,750 $934,200 $1,129,250 $1,403,400

SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA METROPOLI

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SANTA BARBARA $729,750 $934,200 $1,129,250 $1,403,400

SANTA BARBARA-SANTA MARIA, CA (MSA)

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SANTA CLARA $729,750 $934,200 $1,129,250 $1,403,400

SAN JOSE-SUNNYVALE-SANTA CLARA, CA (MSA)

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SANTA CRUZ $729,750 $934,200 $1,129,250 $1,403,400

SANTA CRUZ-WATSONVILLE, CA (MSA)

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SHASTA $423,750 $542,450 $655,700 $814,900

REDDING, CA (MSA)

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SIERRA $304,750 $390,100 $471,550 $586,050

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SISKIYOU $293,750 $376,050 $454,550 $564,900

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SOLANO $557,500 $713,700 $862,700 $1,072,150

VALLEJO-FAIRFIELD, CA (MSA)

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SONOMA $662,500 $848,100 $1,025,200 $1,274,050

SANTA ROSA-PETALUMA, CA (MSA)

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STANISLAUS $423,750 $542,450 $655,700 $814,900

MODESTO, CA (MSA)

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SUTTER $425,000 $544,050 $657,650 $817,300

YUBA CITY, CA (MSA)

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TEHAMA $312,500 $400,050 $483,550 $600,950

RED BLUFF, CA (MICRO)

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TRINITY $271,050 $347,000 $419,425 $521,250

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TULARE $325,000 $416,050 $502,900 $625,000

VISALIA-PORTERVILLE, CA (MSA)

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TUOLUMNE $437,500 $560,050 $677,000 $841,350

PHOENIX LAKE-CEDAR RIDGE, CA (MICRO)

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VENTURA $729,750 $934,200 $1,129,250 $1,403,400

OXNARD-THOUSAND OAKS-VENTURA, CA (MSA)

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YOLO $580,000 $742,500 $897,500 $1,115,400

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

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YUBA $425,000 $544,050 $657,650 $817,300

YUBA CITY, CA (MSA)

 

VanDyk Mortgage has been making FHA loans since 1987. We are a HUD recognized Full Eagle FHA DE underwriter and FHA Direct Lender. VanDyk Mortgage is also a Proud VA Direct Lender. Go with the Government Loan Pros, go with VanDyk. Visit us at http://www.vandykfunding.com/ or call Brian Skaar at 760-752-4480 for help with your FHA loan.We offer FHA, FHA Jumbo, FHA Manual Underwrite, FHA Jumbo Streamline refinance, FHA Jumbo Purchase, FHA Streamline, VA, VA Streamline, VA Jumbo purchase, VA Jumbo Refinance, VA Cashout refinance, FHA Rehab 203K, VA, Conforming & Jumbo Loans.

 

Government Loan Pros- VA FHA USDA FHA Jumbo VA Jumbo 203K

We proudly offer a full array of Government and Conventional loan Options including FHA, VA, USDA, FHA Jumbo, VA Jumbo, VA Refinance, Conventional, Jumbo, VA Condo loans,   FHA 2-4 Unit Loans, VA 2-4 Unit Loans, FHA 203K Rehab Loans,  5% down Conventional loans , 97% Conventional loans - 3% down,  Conventional Condo's OK to 95%,  95% conventional purchase with ZERO PMI, and more.  

We serve the entire state of California  including: Anaheim,  Antioch, Bakersfield,  Brentwood, Carlsbad,   Chula Vista, Corona,  Coronado, Encinitas, Escondido,  Fremont,  Fresno,  Irvine, Long Beach, Los Angeles,  Menifee, Monterey, Murrieta, Oakland, Oakley,  Oceanside,  Ontario,  Pasadena ,  Poway,   Rancho Cucamonga,  Redlands,   Riverside,   Sacramento,        San Bernardino, San Diego, San Francisco, San Jose, San Marcos, San Mateo, Santa Ana,    Santa Monica, Temecula, Ventura, Vista, and all other CA Cities and areas.

We also serve the entire state of Washington including:  Auburn, Bellevue, Bellingham, Bonney Lake, Bothell, Bremerton, Des Moines, Edmonds, Everett, Federal Way, Ferndale, Issaquah, Kent, Kirkland, Lacey, Lake Stevens, Lynnwood, Mercer Island,  Mill Creek, Monroe,  Montlake Terrace, Mt Vernon, Mukilteo, Olympia, Puyallup, Redmond, Renton, Seatac, Seattle, Silver Lake, Snohomish, Spokane, Sumner, Tacoma, Tumwater, Vancouver, Wenatchee, Woodinville, Yakima and everything inbetween. 

VA Loan Limits 2013     FHA Loan Limits 2013     Conforming Loan Limits 2013

Veterans:  We are able to help Veterans with a new home purchase as soon as 2 years after Bankruptcy, Foreclosure, or Short Sale (even sooner if Short Sale involved no late payments).  Call Today - get back in the market! 

VA Loan Limits now announced for 2013. Learn More - Up to $987K with zero money down VA Jumbo Loan

VanDyk Mortgage offers Purchase and Refinance Loans up to $417K and up to 95% Loan to Value with ZERO Monthly Mortgage Insurance.  Call for details – 760-752-4480 or apply online at www.vandykfunding.com

Have you been discouraged to find out your FHA Loan doesn't qualify for the new, lower MIP rates?   We have alternate solutions to save you money on your house payment.   Give us a call to explore your options. 

All information is subject to change without notice.  

 

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NMLS ID:  3035 - VanDyk Mortgage Corp   NMLS ID  220268   Brian Skaar - Loan Originator/Branch Manager

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Brian Skaar, VA, FHA, Jumbo,Conv. Lender CA,WA

San Marcos, CA

More about me…

VanDyk Mortgage - VA, FHA, Conv. Direct Lenders since 1987

Address: 310 Via Vera Cruz, ste 211, San Marcos, CA, 92078

Office Phone: (760) 752-4480

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Brian's Government Home Mortgage Blog includes topics on Mortgage Lending, FHA loans, VA Loans, USDA Loans, VA Jumbo Loans, FHA Jumbo Loans, 203Ks loans, Conventional Loans, Jumbo Loans, No PMI Loans, Conforming High Balance Loans, changes in lending guidelines, San Diego, Los Angeles, Bay Area, Northern California & Southern California Real Estate & Loans, Seattle Area Real Estate & Loans, Washington Loans, and more. NMLS ID: 3035 - VanDyk Mortgage Corp NMLS ID 220268 Brian Skaar - Loan Originator http://www.nmlsconsumeraccess.org/ All content Copyright © 2007-2013 VanDyk Mortgage, all rights reserved.


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