Above the national conforming limit and below the local high-cost ceiling for eligible counties.
Loan Programs
High-balance loans for buyers above the standard conforming limit
When the home price sits above the national conforming cap but below the local high-cost ceiling, a high-balance loan can offer agency-style pricing without pushing you into a full jumbo structure.
High-balance, high-cost, and super-conforming are often used interchangeably. In the DC metro area, these loans can be a smart way to stretch loan amount while keeping the pricing and underwriting advantages that come with conforming execution.
Often as low as 5 percent for one-unit primary homes.
Typically stronger pricing begins around 680 and improves further above 700.
Many files need only one appraisal, unlike some jumbo transactions.
Refinance Planning
Considering a refinance?
Use our Refinance Calculator to estimate your potential new payment, monthly savings, and break-even point.
Why Borrowers Choose This Program
High-Balance Loan advantages at a glance.
- Near-conforming pricing for higher loan amounts in high-cost counties.
- Flexible down payment options for move-up buyers.
- One set of agency-aligned guidelines rather than a completely custom jumbo structure.
- Guidance on local transfer taxes and closing-cost strategy in Maryland, Virginia, and DC.
- Fast timelines supported by warehouse funding relationships and experienced underwriting coordination.
Frequently Asked Questions
Helpful detail before you apply.
How is a high-balance loan different from a jumbo loan?
A high-balance loan still follows Fannie Mae or Freddie Mac high-cost limits, while a jumbo loan exceeds those limits and uses portfolio-style underwriting.
How much can I put down?
Primary-home buyers can sometimes qualify with as little as 5 percent down, depending on credit and occupancy.
Does PMI apply?
It can, but in many cases PMI can later be removed once you reach the right loan-to-value threshold.
How long do high-balance loans take to close?
With a complete file, many close in roughly 21 to 30 days.
Start The Process
Tell us a bit about your High-Balance Loan scenario.
We will review your information, organize next steps, and tell you which documents will move the file forward fastest.
Explore More
Related loan options.
Jumbo Loan
Borrowers above local high-cost or high-balance limits may need to review jumbo financing for higher-priced homes.
jumbo financing for higher-priced homes