2019 Conventional Loan Limits Are Here!

Mortgage and Lending with Mortgages in AZ, CA, CO, DE, FL, GA, MD, MN, MT, NC, NJ, NV, OK, OR, PA, SC, SD, TN, TX, UT, VA, WI NMLS #138061 MMCD #1141

2019 Conventional Loan Limits Are Here



     Movin' on up!  Much like the Jeffersons, Conventional loan limits are pushing higher in 2019.  With loan amounts based on median sales price, this is no surprise considering the high rates of appreciation we've seen in so many markets across the US, and this increase will be a tremendous benefit to people in markets where home prices have outpaced loan allowances.



While FHA, VA, and USDA guidance hasn't been issued yet, it will be soon to follow, and we expect to see increased allowances on those products as well.



Want to know what loan limits increased to in your county/market?  Send us a quick note here and we'll be happy to send the info for your specific market.  



     The generic loan limit (the one in the majority of US counties outside of 'high cost' areas) will see an increase from the current 2018 limit of $453,100 all the way up to $484,350!


     For most high cost areas, the loan limit for conventional loans will increase to $726,525.  


     While this is general guidance, each county is specific, and all but 47 counties (or county equivalents) in the US will see an increase in allowable loan limits on conventional loans in 2019.  Again, if you'd like a list of limits in your market, just let us know at the link above or via email.  


     It's also important to note that these limits are for single-unit properties.  For all 2-4 unit properties, limits are higher than the base loan amount.  For example, in most counties were the single-unit property limit is $484,350, the limit for a 4-unit home will see an increase to $931,600.  



     This should be a great benefit to home buyers in 2019 after 2018 saw such a steep rise in home values.  It will also offer some refinancing opportunties to home owners who saw their homes increase in value but could not access additional capital because of loan limit restrictions.  Especially for buyers in the $700-900K price range, the 2019 conventional loan limit increases will offer more flexibility and options on financing for a new home.



     MasonMac's policy on new loan limits is:  We will begin originating loans under new loan limit guidance NOW, and since we're a direct lender, we have the ability to help borrowers that can benefit from these higher loan limits NOW.   



Questions about how the new loan limits can help you or your clients?  Want to get accurate pricing on loans with 2019 loan limits?  Give us a call at 484.680.4852 or ask an expert for a near-immediate response!

Posted by

John Meussner
NMLS ID #138061

It's more than a house - it's home.  So we offer a wide range of mortgage products at competitive prices to help our clients achieve financial security at home.  While we get great feedback on our prices and products, many clients say their favorite part of working with John Meussner & MasonMac is the level of service provided along the way.

Purchase money loans, Refinance, Renovation, Jumbo, FHA, VA, USDA, nonQM, HELOCs, and more

Licensed in
and VA



(484) 680-4852
Call or Text

Email Me

My Blog

Loan Options


Comments (21)

George Souto
George Souto NMLS #65149 FHA, CHFA, VA Mortgages - Middletown, CT
Your Connecticut Mortgage Expert

John I just got the e-mail on this as well, and it is great news for my part of CT.

Nov 27, 2018 11:33 AM
John Meussner

Great news for many markets, indeed!

Nov 27, 2018 03:38 PM
Nick Vandekar, 610-203-4543
Long & Foster Real Estate Inc 610-225-7400 - Devon, PA
Tredyffrin Easttown Realtor, Philly Main Line

Sounds like good news as the lack of homes on the market is still pushing prices.

Nov 27, 2018 12:51 PM
Nina Hollander, Broker
Coldwell Banker Realty - Charlotte, NC
Your Greater Charlotte Realtor

I did not know that, John.... and now I do. Thanks for the update!

Nov 27, 2018 01:17 PM
Chris Ann Cleland
Long and Foster Real Estate - Gainesville, VA
Associate Broker, Bristow, VA

Thanks for keeping us in the loop with these new conventional loan limits.  

Nov 27, 2018 01:28 PM
John Meussner

Sure thing, Chris Ann!

Nov 27, 2018 03:40 PM
Wayne L. Brown
Franklin Advantage Inc. - Alpine, CA

Great news.


Thanks for the post.

Nov 27, 2018 02:37 PM
John Meussner

You're welcome, Wayne.  Great news indeed for CA!

Nov 27, 2018 03:40 PM
Keller Williams Select Realtors-Buy a home in Washington DC. Sell a home in Washington DC - Bowie, MD
I don't make promises.I deliver results.SOLD HOMES

Thank you very much for keeping up abreast of the 2018 Conventional Loan Limit.

Nov 27, 2018 02:42 PM
John Meussner

You're welcome, Lanre, thanks for stopping by!

Nov 27, 2018 03:39 PM
Debbie Reynolds, C21 Platinum Properties
Platinum Properties- (931)771-9070 - Clarksville, TN
The Dedicated Clarksville TN Realtor-(931)320-6730

Rising prices have sure called for this, John. I hope the VA and FHA limits follow.

Nov 27, 2018 07:12 PM
Jeff Dowler, CRS
eXp Realty of California, Inc. - Carlsbad, CA
The Southern California Relocation Dude

Hi John

Well this is certainly good news for Californians, isn't it!? Thanks for sharing the good news.


Nov 27, 2018 08:28 PM
Muhammad Mushtaq
Weichert, Realtors® - SBA Group - Fall River, MA

This sure is a good news but it will not help the market due to rise in interest rate. In fact it is paving way to another turmoil in our industry.

Nov 28, 2018 03:05 AM
Kat Palmiotti
406-270-3667, kat@thehousekat.com, Broker/REALTOR® - Kalispell, MT
Helping your Montana dreams take root

Thanks for the updated information! 

Nov 28, 2018 03:36 AM
William Collins
ERA Queen City Realty - Scotch Plains, NJ
Property and Asset Management

John, thank you for the post. I would have to agree with Jeff Dowler. Like California, here in New Jersey with our home prices, an increase in loan limits would be very helpful.

Nov 28, 2018 04:04 AM
Amanda S. Davidson
Amanda Davidson Real Estate Group Brokered By eXp Realty - Alexandria, VA
Alexandria Virginia Homes For Sale

John, this is great news for my area! Thank you for keeping us up to date!

Nov 28, 2018 05:34 AM
Richie Alan Naggar
people first...then business Ran Right Realty - Riverside, CA
agent & author

John Meussner ...bringing us welcomed & relevant news thank you J.M.

Nov 28, 2018 07:37 AM
M.C. Dwyer
Melody Russell Team at eXp Realty of California, Inc. - Felton, CA
MC Dwyer-Santa Cruz Mountains Property Specialist

Thanks for keeping us updated on the higher loan limits-Santa Cruz County is definitely in the expensive category.

Nov 28, 2018 07:52 AM
Kevin Mackessy
Blue Olive Properties, LLC - Highlands Ranch, CO
Dedicated. Qualified. Local.

This is important in many different markets, myself included.  This helps to urge some people to take the step into buying.  

Nov 28, 2018 01:16 PM
Sham Reddy CRS
H E R Realty, Dayton, OH - Dayton, OH

Thanks for the update!!!This should be a great benefit to home buyers 

in 2019 after 2018 saw such a steep rise in home values.  It will also offer some refinancing opportunties to home owners who saw their homes increase in value but could not access additional capital because of loan limit restrictions

Nov 29, 2018 04:12 AM
Robert Rauf
HomeBridge Financial Services (NJ) - Toms River, NJ

I took a different twist on this and posted the Historical limits.  Pretty eye opening - especially since the limit was only in the 150's when I started in this crazy business.

Dec 03, 2018 10:43 AM
Mary Yonkers
Alan Kells School of Real Estate/Howard Hanna Real Estate - Erie, PA
Erie/PA Real Estate Instructor

Thanks for the 2019 update for conventional loans, John Meussner 

Also, congratulations on Feature.

Dec 19, 2018 09:39 AM
John Meussner

Thank you Mary : )

Dec 19, 2018 09:48 PM