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.
San Diego Conforming Loans Limits 2025
For information on limits in other counties in California, call us at (619) 840-2021.
Here are the high-balance conforming loan limits for 2 to 4-unit properties in San Diego County…
- 2-unit property – $1,379,450
- 3-unit property – $1,667,450
- 4-unit property – $2,072,250
Below are the “low-balance” conforming loan limits for 2 to 4-unit properties in San Diego County:
- 2-unit property – $1,032,650
- 3-unit property – $1,248,150
- 4-unit property – $1,551,250
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.
