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High Balance Mortgage
A High-Balance Mortgage Loan is defined as a conventional mortgage where the original loan amount exceeds the conforming loan limits published yearly by the Federal Housing Finance Agency (FHFA), but does not exceed the loan limit for the high-cost area in which the mortgaged property is located, as specified by the FHFA. The conforming loan limit is $417,000 and the high-cost area limit is $625,500 for a 1-unit dwelling in the continental U.S. If your mortgage does exceed the conforming and high balance loan limits we must secure jumbo financing.

Look up your county to see if your county is designated as a high cost area

Instant Rate Quote

Today's Rates (First Loans)

  • Conforming
  • Super Conforming
Program Rate Points APR
30 Year Fixed Rate 4.125% 0 4.263%
15 Year Fixed Rate 3.5% 0 3.74%
5 Year Adjustable Rate 3.99% 0 4.999%
Program Rate Points APR
30 Year Fixed Rate - Super Conforming 4.25% 0 4.379%
15 Year Fixed Rate - Super Conforming 3.625% 0 3.849%
5 Year Adjustable Rate Mortgage - Super Conforming 4.5% 0 5.179%
7 Year Adjustable Rate - Super Conforming 4.5% 0 5.078%
10 Year Adjustable Rate - Super Conforming 4.625% 0 5.03%

Mount Diablo Lending Zillow Reviews

We found Mt Diablo through Zillow -- frankly we weren't planning on doing a refi, but when we saw how low the rates were it didn't make sense not to refi. It was very painless -- we gathered the list of documents needed, uploaded to the Mt Diablo website, were approved and it closed quite quickly. Very painless.

05/03/2015 by junk4j, Berkeley, CA 94703

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