San Diego County Conforming Loan Limits 2022

The high-balance conforming loan limit for 2022 in San Diego County is $879,750.

The “low-balance” conforming loan limit for 2022 in San Diego County is $647,200.

***Update as of 9/7/22 – We now have lenders accepting loans up to $715,000 as “low balance” conforming loans and up to $971,900 for high balance conforming loans in San Diego County in anticipation of the increase in loan limits for 2023.  We expect the conforming loan limits for 2023 to be even higher when the limits come out in November 2022, but for now, borrowers can take advantage of the new, higher loan limits.  Request your free rate quote today!***

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

Loans between $647,200 and $879,750 in San Diego County are considered high-balance conforming loans. High-balance loans tend to have slightly higher interest rates than loans under $647,200 (“low-balance”) and can have slightly tighter qualifying guidelines.

If you can keep your loan under $647,200 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 $879,750 in San Diego 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.

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 San Diego County…

  • 2-unit property – $1,126,250
  • 3-unit property – $1,361,350
  • 4-unit property – $1,691,850

If you are looking for a purchase loan or a refinance in San Diego County we would love to work with you! You won’t find a lower rate and better service than Community First Mortgage. Check out our reviews on Yelp!

Request a quick rate quote below and see how much you can save.

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