High Balance Loans in California

A high balance loan in CA is essentially a conforming loan that is higher than the current conforming loan limit in your state. High Balance loans are great for borrowers who are looking to finance a home in a high-cost area. Oftentimes high balance loans have lower loan costs than traditional Jumbo loans. In some counties in California, such as Los Angeles, Orange, San Francisco, Contra Costa etc., because the cost of living is so much higher, high balance loan amounts are allowed up to $822,375, whereas other counties with a lower cost of living have a limit of $548,250.