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Conforming Versus Jumbo Loans

  Get an online rate and payment quote with a good faith estimate of costs

A conforming loan is any loan amount of $417,000 or less.  A jumbo loan is any loan greater than $417,000.  Generally speaking, jumbo loans will have slightly higher interest rates than a conforming loan. 

 

On January 1, 2009 the "super conforming" or "agency jumbo" loan was created for loan amounts up to $729,750.  This amount was then reduced to its permanent level of $625,500 on October 1, 2011.  These new higher loan limits were meant to be crossover loans for high cost areas where housing values tend to be higher.  Super conforming loans are only available in certain counties and generally have more stringent lending guidelines than a conforming loan.  Click here to see the maximum super conforming loan amount in your county.

 

Click Get Rates to see how much you can save and compare a conforming loan to a jumbo loan.

 

 

Speak With A Loan Coordinator 

 

Would you prefer to speak with a Loan Coordinator over the telephone?  Please call us directly at   1-800-276-CYOL(2965) and choose option 1.  Or, click here to have one of our experienced representatives contact you directly.