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Loan Limits

If you are wondering if your financing request qualifies for a conforming loan or if you need to apply for a high balance program, you are not alone. Conforming financing programs are highly popular options for those seeking residential financing, which is for properties with one to four residential units in it. If the property has five or more units, it will need a commercial or multifamily financing program. You may not realize that there are different conforming and high balance lending limits in place for residential properties depending on the number of units that are in the building. With a closer look at what the limits are, you may be ready to apply for your loan through MortgageDepot.

Conforming financing limits for the contiguous United States, Puerto Rico and the District of Columbia include:

High Balance Loan Limits in place for the contiguous United States, Puerto Rico and the District of Columbia:

loan limits

There are other lending guidelines in place as well, such as those related to loan-to-value, debt-to-income ratio, liquid assets and more. MortgageDepot is a local expert in these and other residential and commercial financing programs, and we know that you may have concerns about qualifying or that you may have many questions that you need to get answered before you move forward with your loan request. Our friendly financing team is available to answer your questions during our flexible business hours, and we can sit down with you personally to help you get pre-qualified for the funding you need.

Regardless of which stage in the financing process you are in, now is a great time to reach out to MortgageDepot. We can help you to learn more about the options that are available to you.

To contact us by phone call 800-535-0270 or email us by clicking here.


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