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California Conventional Loan Programs

California Conventional Loans are secured by government sponsored entities or GSE's such as Fannie Mae and Freddie Mac or by private investors for loan amounts higher than the limits set by the GSE's. Conventional loans can be made to purchase or refinance homes with first and second mortgages on single family to four family homes.

In general, Fannie Mae and Freddie Mac's single family, first mortgage loan limit is $333,700 in 2001. This limit is reviewed annually and, if needed, changed to reflect changes in the national average price for single family homes. The current loan limit applies to all conventional mortgages delivered after January 1, 2001.

In addition to common loan structures such as fixed rate, adjustable rate and balloon loans, Fannie Mae and Freddie Mac also have loan programs for low to no down payments, community lending and affordable housing initiatives, construction to permanent, home improvement and reverse mortgages

 

If you have any questions about a California Conventional Loan Program or any other loan, please feel free to contact us at 855-529-5222 today to speak with a California loan consultant or fill out our "California Home Loan Quick Quote" form. We have cut the middle man and large corporate overhead to bring you the best possible California home loan rates and lowest fee.

Thank you, for your interest in California Conventional Loan Programs

 

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