VA Approved Lender | Grove Mortgage LLC | NMLS License # 396191
Providing home mortgage loans in San Antonio and throughout Texas.
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2018 Conforming Loan Limits for San Antonio Texas

What are Conforming Loan Limits

Texas Conforming Loan limits raised for 2018

The Federal Housing Finance Agency (FHFA) has raised the maximum loan limits from $424,100 to $453,100 for 2018!

This means that you can now do a $0 down VA loan, FHA or Conventional loan up to $453,100 without it being a Jumbo Loan, and any loan amount over the $453,100 will now be a Jumbo Loan.

The Federal Housing Finance Agency (FHFA) has issued the maximum loan limits that will apply to conventional loans limits to be acquired by Fannie Mae in 2018. The first mortgage loan limits are defined in terms of general loan limits and high-cost area loan limits. The limits are increasing in 2018.

The most important are:

  • Loan Amount
  • Credit quality
  • Loan to Value Ratio

The Federal Housing Administration enforces specific loan limits for FHA loans and the Department of Veterans Affairs maintains specific loan limits for VA loans. Loans which exceed an FHA loan's loan limit cannot be insured and loans exceeding a VA loans local limit cannot be guaranteed.

Read more about Federal Housing Finance Agency announcement.

Learn about FHA Loan Limits and VA Loan Limits.

2018 Conforming Loan Limits chart for Texas


Number of Units Texas Conforming Loan Limits
1 $453,100
2 $580,150
3 $701,250
4 $871,450

Here is a link to Fannie Mae and Freddie Mac Maximum Loan Limits chart for the complete United States.

Non Conforming Loans

Non Conforming loans will not meet the stipulations set forth by Fannie Mae and or Freddie Mac, for example maybe the loan amount is over or the credit scores are a little to low or there is not enough income to qualify for a conforming loan.

There are many loan options avaliable for Non Conforming Loans. Also they will usually have a higher interest rate than Conforming Loans.

Mortgage Loan Amounts over the Conforming Loan Limits

Conforming loans which exceed the local loan limit are commonly known as "Jumbo Loans" or "Super Jumbo Loans".

Eligibility requirements for Jumbo's are often more stringent and income and credit score requirements are often higher also.

Learn more about Jumbo Loans and Super Jumbo Loans.

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Why choose Grove Mortgage for your San Antonio home loan?

We are located in San Antonio, Texas and are Licensed Mortgage Broker and a VA Approved lender and have been specializing in VA Loans throughout Texas since 2002.

We can help you accomplish your home purchase or home refinance with expert service, fast closing and very low fees.

To speak with a home loan specialist call
210-656-1134 or
Apply Online Now!

We are located in San Antonio, Texas and proudly boasts an A+ rating from the Better Business Bureau. Better Business Bureau

If you are in the Dallas–Fort Worth–Arlington, TX metroplex area please see our new Grove Mortgage home loans in Dallas page.

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