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Home > Home Mortgage – Loan Limits Stay Constant For 2013

Home Mortgage – Loan Limits Stay Constant For 2013

December 11, 2012 by vleeson Leave a Comment

The 2013 Calendar year is right around the corner and all home mortgage loan limits are set to remain constant for the 2013 fiscal year.

Conventional loan limits, those loans backed by Fannie Mae and Freddie Mac will remain at $417,000. With any loan above this level remaining a Jumbo loan.

FHA loan limits had temporarily dipped, before being reinstated to higher levels earlier this year. In 2013, in  Maricopa and Pinal counties here in Arizona the FHA loan limits will remain at $346,250. FHA loan limits do vary by county, so for other areas, you must check with HUD to see your local loan limits. 

Finally, for VA loans there have never been any specific loan limits, though most lenders will list $417,000 as a general loan limit for a Veteran’s Administration loan. It is however possible to obtain a home loan that is over $417,000 with proper eligibility.

Keeping loan limits in place for home loans was expected for 2013 for all programs. The bigger changes in the coming year will come inside the loan programs themselves, as we continue to see changes to conventional, FHA and VA loans.

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