The high-balance conforming loan limit for 2023 in Santa Barbara County is $805,000.

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

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

Loans between $726,200 and $805,000 in Santa Barbara County are considered high-balance conforming loans.  High-balance loans tend to come with 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 $805,000 in Santa Barbara 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 that quickly and their guidelines will certainly be tighter. (lower debt to income ratio requirements, higher reserve requirements…etc.)

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

  • 2-unit property – $1,030,550
  • 3-unit property – $1,245,700
  • 4-unit property – $1,548,100

Click Here for FHA Loan Limits for Santa Barbara County 2023

If you are looking for a purchase loan or a refinance in Santa Barbara 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!

Date UpdatedTime
Jun 1, 20233:11 PM
(Rates subject to change without notice)
Loan TypeLoan PurposeLoan TermInterest RateAPRPoints
ConformingPurchase30 year fixed5.999%6.104%0.842
ConformingPurchase30 year fixed6.500%6.527%0.000
ConformingPurchase20 year fixed5.999%6.100%0.535
ConformingPurchase15 year fixed5.000%5.232%1.238
FHAPurchase30 year fixed5.625%6.363%0.000
VAPurchase30 year fixed5.625%5.850%0.000


30 Year Fixed


20 Year Fixed


15 Year Fixed



30 Year Fixed



30 Year Fixed


Loan Assumptions

Community First Mortgage has been in business since 1986 in the same building right here in Westlake Village, California – just down the road from Santa Barbara County.

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