Conforming loans are conventional loans that meet bank-funding criteria set by Fannie Mae and Freddie Mac. Both of these stock-holding companies buy mortgage loans from lending institutions and secure them for resale to the investment community. Every year, form October to October, Fannie Mae and Freddie Mac establish limits on what constitutes a conforming loan in a mean home price.Buying back mortgage loans allow these agencies to provide a continuous flow of affordable funding to banks that reinvest their money back into more mortgage loans. Fannie Mae and Freddie Mac only buy loans that are conforming, to repackage into the secondary market - effectively decreasing the demand for non-conforming loans.
For information on limits in other counties in California, call us at (619) 840-2021.
2026 Conventional Loan Limits
Single Family Loan Limits
| County | 1-Unit Conforming Limit | 1-Unit High Balance Limit |
|---|---|---|
| San Diego County | $832,750 | $1,104,000 |
| Orange / Los Angeles County | $832,750 | $1,249,125 |
| Riverside County | $832,750 | N/A |
Multi Family Loan Limits
| County | 1-Unit | 2-Unit | 3-Unit | 4-Unit |
|---|---|---|---|---|
| San Diego County | $1,104,000 | $1,413,350 | $1,708,400 | $2,123,100 |
| Orange / Los Angeles County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Riverside County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
We are located centrally in San Diego, and work with clients throughout the county and state, including Eastlake, Chula Vista, Imperial Beach and La Mesa.
