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VA Loan Limits for 2012

Every year, the Department of Veterans Affairs recalculates the maximum guaranteed loan amounts for counties across the United States based on market conditions, home values, home sales. In California, 2011 saw some counties with VA loan limits as high as $1,000,000. This is all set to change in 2012 as the new VA loan limits have been announced.
Effective August 6, 2012, the new VA loan limits for California Counties have changed. The following chart shows the new loan limits for 2012. Any counties NOT SHOWN have loan limits set at $417,000.
COUNTY
LIMIT
Alameda$1,000,000
Contra Costa$1,000,000
Los Angeles$675,000
Marin$1,000,000
Monterey$436,250
Napa$500,000
Orange$675,000
San Benito$831,250
San Diego$518,750
San Francisco$1,000,000
San Luis Obispo$497,500
San Mateo$1,000,000
Santa Barbara$650,000
Santa Clara$831,250
Santa Cruz$663,750
Sonoma$456,250
Ventura$563,750
At present, CalVet’s maximum loan limit is $521,250.
100% financing is still available for all counties using either a VA Loan or a CalVet Home Loan. It is still possible to borrow MORE than the stated loan limit, but a down payment would be required.
Find out how much you’re qualified to borrow by completing an application or giving us a call at 800-734-5572.
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Interest Rates
Program
Rate
APR
30 Yr Fixed
3.75%
3.869%
VA 15 Yr Fixed
3.50%
3.692%
CalVet QMBF
4.25%
4.61%
CalVet QVMBF
3.90%
4.25%
CalVet PUF
5.50%
5.89%

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