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Second Mortgage Loan Limits

2nd mortgage lending limits for owner occupied and investment properties.

Second Mortgage Loan Limits
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The second mortgage loan limits are usually updated once a year. The annual 2nd mortgage cap updates are typically announced in early December and rolled out in January of the following year. Lending limits for second mortgage products include both owner occupied properties and residential investment homes. Caps are based upon conventional loan limit maximums. This means that the total loan to value (TLTV) of a 1st mortgage and 2nd mortgage cannot exceed the conventional loan limit caps. Fannie Mae & Freddie Mac second mortgage loan limits include the use of traditional 2nds, home equity loans, and home equity lines of credit.

SFR - $30K - $208,500

2-Unit Up To $266,925

3-Unit Up To $322,650

4-Unit Up To $400,975

*Does Not Reflect Limits for HI & AK

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