What is a Super Conforming Loan & What are the Loan Limits Per County:

By
Mortgage and Lending with Premiere Mortgage Services Inc. MLO 18693

 

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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