What is th limit of Jumbo Conforming loan in WIndemere San Ramon for 2011? 729k or 625k ?

Asked by Steve, San Ramon, CA Mon Feb 14, 2011

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Jessica Bate…, Agent, Beverly Hills, CA
Sun Jul 28, 2013
$729,950 for FHA which allows a smaller down payment of 3.5% with a 580 or higher score.
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Joanna Jensen, Other Pro, Livermore, CA
Fri Feb 25, 2011
Hi Steve,

Depending on the type of loan apparently.

$729,950 for FHA which allows a smaller down payment of 3.5%.

$625,000 for 10% down conforming. Depending on your credit score you may be able to get away with no mortgage insurance.

I definately suggest either in interest only loan or fixed. Depending on how long you plan on living in the home.

so many people are in trouble now with the negative amortization loans because those loans are excellent however not intended to be a loan for 10 years. they are intended for a short term loan where you either sell or refi.

good Luck

JoAnna Jensen
Legal Assistant
Legal Realty / Volo Law

925 699 5041

Chris Jensen
Senior Mortgage Loan Officer

Bank of Commerce

925 872 2626
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Robert Spino…, Mortgage Broker Or Lender, Mill Valley, CA
Tue Feb 15, 2011

Here is a helpful and short video I created to address this very topic of conforming and jumbo conforming loan limits.

Best of luck,

Rob Spinosa
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, ,
Mon Feb 14, 2011
As John mentioned the $729,750 limit is due to expire in September. The last couple years the GSes have extended it. Do not count on that happening this year. They will probably extend the $625,500 for another year.

Not long ago we had conforming loan amounts to $417,000 and non-conforming for all dollar amounts over that. Rates on non-conforming loans where around 2% to 4% higher. Now is the time to take action.

Happy funding, Rudi
Web Reference:  http://www.umboc.com
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Gilbert Rich…, , Santa Clara County, CA
Mon Feb 14, 2011
They are the same as 2010. Shawn was right, we're still at $729k for sfr
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, ,
Mon Feb 14, 2011

If its a single family home its $729,750. However, for a duplex etc. there are higher loan limits.

Web Reference:  http://www.bma-loans.com
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John Juarez, Agent, Fremont, CA
Mon Feb 14, 2011
As part of the recently released report suggesting ways to reform FannieMae and FreddieMac, there is a suggestion that the maximum limit for loans that will be backed by the GSEs (Government Sponsored Enterprise) be reduced to $625,000 in high cost areas such as the San Francisco Bay Area, including San Ramon. That and other proposals for reforming the GSEs will be thrashed out by Congress and the Administration for months or years to come before they are finalized.

At this time the limit for jumbo conforming loans remains $729,000 in this area.
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Steven Ornel…, Agent, Fremont, CA
Mon Feb 14, 2011
You can also confirm loan limits at this site: http://www.fhfa.gov/Default.aspx?Page=185
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Steven Ornel…, Agent, Fremont, CA
Mon Feb 14, 2011
Steve: Contra Costa County is $729,750

You can check this for any County area here: https://entp.hud.gov/idapp/html/hicostlook.cfm

Best, Steve
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