A Super Conforming Mortgage is a loan that exceeds the *newly updated* 2019 Freddie Mac single family loan limit of $484,350 for set for the lower 48 states.  These were created to address high-cost areas around the country and can go as high as $726,525 for a single family home or condominium depending on the area.

The good news is that these super conforming mortgage rates can often be lower than both conforming and jumbo rates!  Request your free rate quote and we will research your county limit for you.

Super Conforming 30 Year Fixed Rates *:

Rate Points APR
4.125% 0.669 4.220%1
4.375% $2,800 lender toward
closing costs

* Your actual rate, payment, and costs could be higher.  Get an official Loan Estimate before choosing a loan.  Rate and APR Assumptions: $600,000 loan amount, 790+ Credit score, 40 day lock with a 25% down payment.  Purchase of an owner occupied Single Family Home in Los Angeles County, California.  If you choose to include your taxes and insurance the actual monthly payment will increase.  Rates as of January 2, 2019 and subject to change.

1 Assumes 360 payments of $2,907.90 at an interest rate of 4.125%, $600,000 loan amount.
2 Assumes 360 payments of $3,995.71 at an interest rate of 4.375%, $600,000 loan amount.


Following are general Super Conforming loan amount ranges for 2018 (Alaska & Hawaii have higher limits):

 Property Type Minimum Loan Amount Maximum Loan Amount*
Single Family/Condo >$484,350 $726,525
2 Unit Properties >$620,200 $930,300
3 Unit Properties >$749,650 $1,124,475
4 Unit Properties >$931,600 $1,397,400

* Actual maximum loan limits are set per county or equivalent area and may be lower than the maximum above.

For loan amounts that exceed the super conforming loan limit in your high cost area you will need a jumbo loan.  Request your free rates or give us a call to discuss!  877-791-6990