Conventional Residential Home Loans: That's my bread and butter. One and two unit properties are what I've focused on over the past 15 years. The Fed raised "conforming" loan limits from a max of $417,000 to $725,500 which ended in December of 2008 as part of the stimulus package. This number varied from city, county, region (depending on the median values of the area). So this 725k number was really the max. However, when legislation was passed, they kinda forgot to ask Fannie and Freddie about it...so it took a long time to actually institute these loans. Now, come Q1 of 2009, they dropped the limit to a max of $625,500, and of course, Fannie and Freddie are "backing" these 30 and 15 year fixed loans, and now, new stimulus is moving the limits back up to the 725k mark again...but again, the plan versus the execution is the challenge. Bumps in the road; programs always changing and banks charging more fees. You can't read fast enough to keep up with it all, so, if you're on the fence, may I recommend that you climb down for a minute, give me a call and let's run some numbers. Get it rolling and we'll lock on the dip.Pat Townsley: 415-485-1776. Broker #0123435. www.ptre.net
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