2019 Conforming Loan Limits Increase Nationwide

This was quite an interesting year for the real estate market. Home prices continued to rise and bidding wars remained prevalent, all despite rising interest rates. Many buyers found it difficult to compete for homes given high prices and mortgage limits. Fortunately, there is good news for buyers hoping to inch into higher price points without using jumbo loan products. 2019 conforming loan limits are increasing nationwide. Here’s what buyers can expect and how this will help homeownership prospects.

Why Loan Limits Matter

Conforming loans have limits that apply per county based on average home prices from the previous year’s sales. There is also an overall minimum and maximum that applies. For last year, the lower limit was $453,100. That is increasing to $484,350 for loans issued in 2019. That’s over $30,000 in increased purchasing power for buyers. As for high end markets, the upper limit has increased from $679,650 to $726,525! The $46,875 increase will enable more buyers to avoid jumbo loans.

New 2019 Conforming Loan Limits

As we mentioned above, the limit can vary by county but will always remain between $484,350 and $726,525. Here’s a look at counties in MA and NH and their respective limits:

Massachusetts Conforming Loan Limits

County Single Family 2 Family 3 Family 4 Family
BARNSTABLE $484,350 $620,200 $749,650 $931,600
BERKSHIRE $484,350 $620,200 $749,650 $931,600
BRISTOL $484,350 $620,200 $749,650 $931,600
DUKES $726,525 $930,300 $1,124,475 $1,397,400
ESSEX $688,850 $881,850 $1,065,950 $1,324,750
FRANKLIN $484,350 $620,200 $749,650 $931,600
HAMPDEN $484,350 $620,200 $749,650 $931,600
HAMPSHIRE $484,350 $620,200 $749,650 $931,600
MIDDLESEX $688,850 $881,850 $1,065,950 $1,324,750
NANTUCKET $726,525 $930,300 $1,124,475 $1,397,400
NORFOLK $688,850 $881,850 $1,065,950 $1,324,750
PLYMOUTH $688,850 $881,850 $1,065,950 $1,324,750
SUFFOLK $688,850 $881,850 $1,065,950 $1,324,750
WORCESTER $484,350 $620,200 $749,650 $931,600

New Hampshire Conforming Loan Limits

County Single Family 2 Family 3 Family 4 Family
BELKNAP $484,350 $620,200 $749,650 $931,600
CARROLL $484,350 $620,200 $749,650 $931,600
CHESHIRE $484,350 $620,200 $749,650 $931,600
COOS $484,350 $620,200 $749,650 $931,600
GRAFTON $484,350 $620,200 $749,650 $931,600
HILLSBOROUGH $484,350 $620,200 $749,650 $931,600
MERRIMACK $484,350 $620,200 $749,650 $931,600
ROCKINGHAM $688,850 $881,850 $1,065,950 $1,324,750
STRAFFORD $688,850 $881,850 $1,065,950 $1,324,750
SULLIVAN $484,350 $620,200 $749,650 $931,600


As a backlog of buyers are still searching for home to purchase, the increase in conforming loan limits in Massachusetts and New Hampshire is welcome news. It will allow some buyers to avoid a jumbo loan and save on homeownership expenses. For those that do not qualify for jumbo products, it can improve the chances of finding a home by increasing the price point for homes that qualify. If you are looking to purchase a home, contact me for a re-evaluation of your qualification criteria. This increase in loan limits could directly impact you and your ability to get into the home of your dreams.

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About Chris Graves

I grew up in Massachusetts, spent the majority of my young adult life in Boston, and own a home in Windham NH. I have owned properties in MA and NH. I specialize in mortgage lending in Massachusetts and New Hampshire and my company does have the ability to lend in other states. I graduated from the University of Massachusetts in Amherst Massachusetts in 2002. I have a Bachelor’s in Science. In addition to managing a team of loan officers my personal loan production is always in the top of the entire of company. I have personally been in the mortgage business for over 13 years. I pride myself with taking my clients from application to close in the smoothest and quickest way possible, while keeping them well informed during the entire process. I originate my own loans from start to finish and work hand in hand with my loan processors & underwriters to make sure I am updated to the minute with all of my files. I stay up to date with lending guidelines and speak with underwriters on a daily basis to ensure I am aware of all of the lending guidelines in place.

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