Buying a home in a high-cost area often means higher price tags—and higher financing needs. A Conventional High Balance loan is designed for borrowers who need loan amounts above standard conforming limits while still staying within conventional loan guidelines.
This program allows homebuyers to access increased loan limits in designated high-cost counties without moving into jumbo loan territory, offering flexibility, competitive pricing, and a smoother approval process.
A Conventional High Balance loan is a conforming mortgage that exceeds the national baseline loan limit but remains within the maximum limits set for high-cost counties. These limits vary by location and can go as high as $1,249,125, depending on the county.
Because the loan remains conforming, borrowers benefit from many of the same advantages as standard conventional financing.
These features make Conventional High-Balance loans an excellent option for borrowers seeking higher loan amounts with fewer restrictions.