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Conforming Versus Jumbo Loans

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A conforming loan is any loan amount of $726,200 or less.  A jumbo loan is any loan greater than $726,200.  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 $1,089,300.  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.



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