2013 San Diego Conforming Loan Limits

*This post has been updated.  Please see 2014 Conforming Loan Limits in San Diego.

The 2013 conforming loan limits for San Diego County will remain at $417,000 for traditional conforming loans and $546,250 for the San Diego high balance conforming loan program.  This is good news for those who are still looking to purchase a home in 2013 or refinance and take advantage of San Diego Mortgage Rates still at historic lows.  The San Diego HARP 2.0 Program will also be available throughout 2013 at these loan limits.

The High Balance loan program which is from $417,001 to $546,250 will have about a quarter percent higher interest rate and slightly more restrictive guidelines.  This includes requiring higher FICO scores and lower debt to income ratios.  There is a chart below that shows the 2013 conforming loan limits for other areas of California as well.

Home loans that exceed the San Diego high balance loan limits of $546,250 will have to use a Jumbo Loan.  These loans are available up to $2 million or more in some cases. They will be subject to lower loan to value ratios and debt to income ratios and will require higher reserves.

As a San Diego Mortgage Broker, I have access to all the above options; traditional conforming, high balance conforming, and true jumbo loans at great San Diego mortgage rates and closing costs.  Please give me a call at 619-312-0612 with questions or if you would like an interest rate quote please fill out the form at the top right of this page.  I am also able to complete pre-approvals within 24 hours.

CountyOne Unit Limit
ALAMEDA$625,500
ALPINE$463,450
AMADOR$417,000
BUTTE$417,000
CALAVERAS$417,000
COLUSA$417,000
CONTRA COSTA$625,500
DEL NORTE$417,000
EL DORADO$474,950
FRESNO$417,000
GLENN$417,000
HUMBOLDT$417,000
IMPERIAL$417,000
INYO$417,000
KERN$417,000
KINGS$417,000
LAKE$417,000
LASSEN$417,000
LOS ANGELES$625,500
MADERA$417,000
MARIN$625,500
MARIPOSA$417,000
MENDOCINO$417,000
MERCED$417,000
MODOC$417,000
MONO$529,000
MONTEREY$483,000
NAPA$592,250
NEVADA$477,250
ORANGE$625,500
PLACER$474,950
PLUMAS$417,000
RIVERSIDE$417,000
SACRAMENTO$474,950
SAN BENITO$625,500
SAN BERNARDINO$417,000
SAN DIEGO$546,250
SAN FRANCISCO$625,500
SAN JOAQUIN$417,000
SAN LUIS OBISPO$561,200
SAN MATEO$625,500
SANTA BARBARA$625,500
SANTA CLARA$625,500
SANTA CRUZ$625,500
SHASTA$417,000
SIERRA$417,000
SISKIYOU$417,000
SOLANO$417,000
SONOMA$520,950
STANISLAUS$417,000
SUTTER$417,000
TEHAMA$417,000
TRINITY$417,000
TULARE$417,000
TUOLUMNE$417,000
VENTURA$598,000
YOLO$474,950
YUBA$417,000

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