Conforming Loan Limits Increased to $715,000

2022 Confirming loan limits for single-family homes have been $647,200 with High Balance at $879,750 in San Diego County and $970,800 in Orange and LA Counties.

Each year, The Federal Housing Finance Agency calculates the maximum loan amount according to guidelines set by the Housing Economic Recovery Act. While the official announcement of the exact 2023 loan limits will not be announced until November 30th, we are already closing loans up to $715,000 using Conforming interest rates. This is important as Conforming loan interest rates are approximately 1/4% lower than High Balance loans.

Based on our research High Balance loans are expected to increase to over $960,00 in San Diego and $1,050,000 in Orange and LA counties.  We will update you on the official 2023 Loan Limits once they are announced at the end of November. In the meantime, we can speak with you about the higher limits on High Balance loans so you are pre-approved to purchase now.


* Specific loan program availability and requirements may vary. Please get in touch with the mortgage advisor for more information.

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