Mortgage Loan Limits

2012 conventional conforming loan limits for home buyers & homeowners.

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The mortgage loan limits for conventional products, with rare exceptions, are adjusted once per year -- and typically announced in December. These mortgage limits are based upon the median home buyer costs across the United States, accounting for a weighted average from low cost to high cost housing areas. Mortgage loan limits for Fannie Mae and Freddie Mac conventional lending products should be factored to include the combined TLTV (Total-Loan-To-Value) of secondary financing such as a second mortgage, home equity loan, or HELOC product lines. This means a 1st mortgage and 2nd, when combined, cannot exceed the maximum established conforming loan limit at the time of financing. The conventional mortgage loan limits for 2012 are:

SFR - $40K - $417,000

2-Unit Up To $533,850

3-Unit Up To $645,300

4-Unit Up To $801,950

*Does Not Reflect Limits for HI & AK