2010 California FNMA & FHLMC Loan Limits- Fannie Mae & Freddie Mac Loan limits 2010

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

2010 California FNMA & FHLMC - Fannie Mae & Freddie Mac Loan limits 2010

Fannie Mae & Freddie Mac have retained the expanded 2009 loan limits for 2010.  The standard conventional loan limit remains at $417K accross the USA.  This is also called the Conforming Loan Limit ($417K).   High Cost Areas have loan limits based on the new formula in the 2008 housing bill passed in July of 2008, and are also called Conforming Jumbo, High Balance, or Super Conforming loans.

There are different ratios 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%. 

We also posted updates regarding the 2010 California FHA loan limits here.

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
NON-METRO


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AMADOR $443,750 $568,050 $686,650 $853,350
NON-METRO


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

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CALAVERAS $462,500 $592,050 $715,700 $889,450
NON-METRO


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COLUSA   $417,000 $533,850 $645,300 $801,950NON-METRO


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

NON-METRO
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 $417,000 $533,850 $645,300 $801,950

NON-METRO

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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 $437,500 $560,050 $677,000 $841,350
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 $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 $417,000 $533,850 $645,300 $801,950
NON-METRO


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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 $417,000 $533,850 $645,300 $801,950
NON-METRO


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


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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 $417,000 $533,850 $645,300 $801,950
NON-METRO


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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 $417,000 $533,850 $645,300 $801,950
NON-METRO


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SISKIYOU $417,000 $533,850 $645,300 $801,950
NON-METRO


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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 $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
NON-METRO


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TULARE $417,000 $533,850 $645,300 $801,950
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)


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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Brian Skaar

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