The high-balance conforming loan limit for 2023 in Napa County is $1,017,750.

The “low-balance” conforming loan limit for 2023 in Napa County is $726,200.

  • Both loan limits above are based on a 1-unit property.

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Loans between $726,200 and $1,017,750 in Napa County are considered high-balance conforming loans.  High-balance loans tend to have slightly higher interest rates than loans under $726,200 (“low-balance”) and can have slightly tighter qualifying guidelines.

If you can keep your loan under $726,200 by either putting enough down and/or keeping your sales price low enough, you will be rewarded with a lower interest rate and payment.

Loans above $1,017,750 in Napa County would be considered a jumbo loan.  Big banks and credit unions tend to have the most competitive rates on jumbo loans.  As a mortgage broker, we are most competitive on conforming loans, which are loans under $1,017,750 in Napa County.

Having said this, as a mortgage broker, we can offer jumbo loans with easier qualifying guidelines, and we have the ability to close jumbo loans in as little as 15 days.  Most big banks and credit unions have difficulty closing quickly, and their guidelines will certainly be tighter. (lower debt-to-income ratio requirements, higher reserve requirements…etc.)

If you are looking for a jumbo loan, we can either refer you to a jumbo lender with the best rates, or we would be happy to give you a hand if we are a better fit for you.

We are able to lend on 2-4 unit properties as well.  Here are the conforming loan limits for multi-unit properties in Napa County

  • 2-unit property – $1,302,900
  • 3-unit property – $1,574,900
  • 4-unit property – $1,957,250

Click Here for FHA Loan Limits for Napa County 2023

If you are looking for a purchase loan or a refinance in Napa County, we would love to work with you!  You won’t find a lower rate and better service than Community First Mortgage.

Date UpdatedTime
Sep 22, 202311:47 AM
(Rates subject to change without notice)
Loan TypeLoan PurposeLoan TermInterest RateAPRPoints
ConformingPurchase30 year fixed6.500%6.654%1.308
ConformingPurchase30 year fixed6.875%6.942%0.399
ConformingPurchase20 year fixed6.500%6.626%0.709
ConformingPurchase15 year fixed5.875%6.075%0.999
FHAPurchase30 year fixed6.125%6.910%0.423
VAPurchase30 year fixed6.125%6.425%0.693

Conforming

30 Year Fixed

InterestAPRPoints
6.500%6.654%1.308
6.875%6.942%0.399

20 Year Fixed

InterestAPRPoints
6.500%6.626%0.709

15 Year Fixed

InterestAPRPoints
5.875%6.075%0.999

FHA

30 Year Fixed

InterestAPRPoints
6.125%6.425%0.693

VA

30 Year Fixed

InterestAPRPoints
6.125%6.910%0.423

Loan Assumptions

Community First Mortgage has been in business since 1986 in the same building right here in Westlake Village, California.

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