San Joaquin County 2018 loan limits have been released and increased for FHA and Conventional Conforming loans.

San Joaquin loan limits encompass Stockton, Lodi, Manteca, Lathrop and surrounding areas.  At the end of every year the area median income and median home values are reviewed to determine a loan limit for the area.  Over the past few years San Joaquin County has seen a steady increase in values and income which has translated into higher loan limits.

Loan limits are calculated and determined by the GSE’s (Government Sponsored Enterprise- FHA, Fannie Mae, and Freddie Mac).  A loan limit is the maximum loan amount permitted under a specific program.  If a borrower was looking to purchase a home priced beyond the limits they could put additional money down or acquire a non-conforming loan (jumbo loan).

FHA 2018 Loan Limit in San Joaquin County / FHA 2018 Loan Limit Stockton and Lodi

The largest limit increase year over year in San Joaquin County was FHA.  The loan limits increased sharply up to $391,000.  This would allow an FHA borrower to purchase a home for $405,000 with as little as 3.5% down.  These loan limits are also used by first time home buyer programs like the GSFA platinum program and CALHFA.

Conventional 2018 Loan Limit for San Joaquin County

Conforming/ Conventional loan limits refer to a traditional mortgage that conforms to the guidelines set in place by Fannie Mae and Freddie Mac.  At the increased 2018 loan limit of $453,100 a borrower could purchase a home of $467,000 with a mere 3% down.

With loan limits up and inventory increasing 2018 is looking like a great year for real estate and financing.  When lending guidelines and options expand it provides borrowers who have been left on the sidelines an opportunity to jump in.  I would love to help you make that jump

Work with an Inventive Lender

Working with a lender who will provide the proper options and explanations is crucial to your success. Call me at 209-474-7111 or contact me here to discuss a loan scenario, get an estimate, or simply ask a question. I’m here to help and I always return a call personally.


Jeff Womack

Jeff Womack

Sr Loan Officer and Mortgage Blogger at The Mortgage House Inc.
HARP, FHA, VA, Conventional, USDA, down payment assistance. Blogger and mortgage expert helping potential home buyers finance homes . Serving Stockton, Lodi, Elk Grove, Sacramento (NMLS #262055)
Jeff Womack


Mortgage & real estate information with your home loan expert in the Stockton and Sacramento area.
Jeff Womack