Loan Limits

General Loan Limits for 2021

The general loan limits for 2021 has increased and apply to loans delivered to Fannie Mae in 2021 (even if originated prior to 1/1/2021).

Maximum Loan Amount for 2021

Units
Contiguous States, District of Columbia, and Puerto Rico
Alaska, Guam, Hawaii, and the U.S. Virgin Islands
1
$548,250
$822,375
2
$702,000
$1,053,000
3
$848,500
$1,272,750
4
$1,054,500
$1,581,750

Maximum Loan Amount for High-Cost Areas for 2021

+A number of states (including Alaska and Hawaii), Guam, Puerto Rico, and the U.S. Virigin Islands do not have any high-cost areas in 2021.

Units
Contiguous States, District of Columbia, and Puerto Rico
Alaska, Guam, Hawaii, and the U.S. Virgin Islands
1
$822,375
Not Applicable
2
$1,053,000
Not Applicable
3
$1,272,750
Not Applicable
4
$1,581,750
Not Applicable

On Loan Amount Up To $548,250

15 & 27 & 30 Year Fixed - First MortgageWinnpointe Corporation dba Interactive Mortgage is licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. NMLS 302352. Disclosed rate assumes a rate and term refinance of an owner-occupied single-family residence of a loan amount from $300,000 to the maximum conforming loan limit amount in the property’s county. Minimum 740 FICO score, 60.00% loan to value with no subordinate debt. If these factors are not met, you may still qualify for a loan but higher interest rates and closing costs may apply. Winnpointe Corporation dba Interactive Mortgage  will pay non-recurring closing costs not including prepaid interest, taxes, insurance, mortgage insurance or lender payoff fees. Sample payment does not include taxes, insurance or assessments. Your actual payment obligation may be higher. Not all applicants will be approved. Advertised rate and APR are subject to change without notice. By refinancing the existing loan, the total finance charges may be higher over the life of the loan. Subject to underwriting approval.

On Loan Amount Over $548,250 And Up To $822,375

Winnpointe Corporation dba Interactive Mortgage is licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. NMLS 302352. Disclosed rate assumes a rate and term refinance of an owner-occupied single-family residence of a loan amount from $548,251 to the maximum conforming loan limit amount in the property’s county. Minimum 740 FICO score, 60.00% loan to value with no subordinate debt. If these factors are not met, you may still qualify for a loan but higher interest rates and closing costs may apply. Winnpointe Corporation dba Interactive Mortgage will pay non-recurring closing costs not including prepaid interest, taxes, insurance, mortgage insurance or lender payoff fees. Sample payment does not include taxes, insurance or assessments. Your actual payment obligation may be higher. Not all applicants will be approved. Advertised rate and APR are subject to change without notice. By refinancing the existing loan, the total finance charges may be higher over the life of the loan. Subject to underwriting approval.