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Posted by: Kim_Hamilton on 03/10/2008 11:16 PM Updated by: Kim_Hamilton on 03/10/2008 11:17 PM
Expires: 01/01/2013 12:00 AM
:

New Comforming Loan Limits!~By Michelle Young

At LAST! We have a NUMBER! The final analysis has finally been completed by Fannie Mae/Freddie Mac telling us what the new conforming loan limits are for our State. Unfortunately they vary county by county, so if you need information for any counties not listed here, please give me a call, or send me an email for the limits. There are rules that apply to these new loan limits, some lenders will not allow cash out, while others will, some will not allow the loan to be processed until July, some are taking loans now, some are requiring....


a minimum FICO of 660 for the additional amounts, some are not -- so the message here is to call for the 'rules' on your particular transaction before assuming it can be done!

Calaveras County $462,500

Tuolumne County $437,500

Amador $443,750

San Joaquin $488,750

Stanislaus $423,750

Sacramento $580,000

Most Bay area, including Contra Costa, Alameda, San Francisco $729,750

One rule that stands firm for everyone is that these new loan limits expire on December 31, 2008-- so they are available for a limited time only. If you or someone you know, has a high rate jumbo loan that fits these loan limits, or a 1st & 2nd combination that does not exceed these maximums, you may want to consider refinancing into a lower rate today. A rate decrease of only 1/4 percent can mean a savings of thousands of dollars over the life of your loan!!

Sincerely,


Michelle Young
Broker
Michelle Young Financial
www.michelleyoungfinancial.com


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