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Frequently asked questions

What is the maximum amount I can take out with a conventional loan?

Conventional loans fall into two categories each with their own borrowing limits.

Conforming (conventional) loans are subject to Fannie Mae and Freddie conforming loan limits. These limits enable qualified borrowers in most areas to get a mortgage of up to $647,200 for a single-family home. In high-cost areas in the US—such as Hawaii, San Francisco, or New York—the conforming loan limit for single-family homes can be as high as $970,800.

Jumbo loans are conventional loans that don’t meet the Fannie Mae and Freddie Mac conforming loan limits. They’re known as non-conforming loans for that reason. The maximum amount available to qualified borrowers with a Better Mortgage jumbo loan is $3 million. Given that jumbo loans are for borrowing more money, the eligibility requirements for jumbo loans are more stringent.

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