Looking for just the high-balance mortgage home loan programs in East Palo Alto, CA that fit your unique situation? Start your free personalized mortgage review by clicking here.
High-Balance Mortgage Options for Purchasing a Home
We searched our national mortgage program database to find all of the purchase home loan options specific to East Palo Alto, CA:
Conventional High-Balance Purchase Loan
Best For: Large Loan Amounts, Lowest Rates, Easy Process
Conventional financing option above the conforming limit in designated high cost counties across the United States
Min. Credit Score
620
Min. Down Payment
5%
Max. Loan Amount
$833,750 - $1,209,750
VA High-Balance Purchase Loan
Best For: Large Loan Amounts, Zero Down
The VA high-balance mortgage (often called "VA Jumbo") is used for loans above the conforming limit—allowing homebuyers to maximize their VA benefits.
Min. Credit Score
640
Min. Down Payment
0%
Max. Loan Amount
$1,500,000
FHA High-Balance Purchase Loan
Best For: Large Loan Amounts, Easy Qualification
FHA financing option for purchasing a home above the government limit in designated high cost counties across the United States.
Min. Credit Score
580
Min. Down Payment
3.5%
Max. Loan Amount
$833,750 - $1,209,750
HomeReady® High-Balance Purchase Loan
Best For: First Time Homebuyers, Large Loan Amounts
HomeReady® financing option above the conforming loan limits in designated high-cost counties across the United States.
Min. Credit Score
620
Min. Down Payment
3%
Max. Loan Amount
$833,750 - $1,209,750
Home Possible® High-Balance Purchase Loan
Best For: First Time Homebuyers, Large Loan Amounts
Low down payment financing above the conforming loan limit with discounted fees for creditworthy low and moderate income borrowers across the US.
Min. Credit Score
620
Min. Down Payment
3%
Max. Loan Amount
$833,750 - $1,209,750
Special Programs for High-Balance Mortgage
These additional loan programs available in East Palo Alto, CA may provide help for down payment and closing costs, qualification for borrowers who don't fit the traditional mold, and unique portfolio programs for special situations.
CalHFA FHA Loan
Best For: First Time Homebuyers, Low Down Payments, Lowest Rates
FHA program for California residents with below market interest rates and down payment assistance options.
Min. Credit Score
640
Min. Down Payment
3.5%
Max. Loan Amount
$472,030 - $1,089,300
CalPLUS with ZIP FHA Loan
Best For: First Time Homebuyers, Low Down Payments, Low Credit Scores
The CalPLUS FHA program is an FHA loan paired with the CalHFA Zero Interest Program (ZIP) for closing costs.
Min. Credit Score
640
Min. Down Payment
3.5%
Max. Loan Amount
$472,030 - $1,089,300
CalHFA MyHome Assistance Program
Best For: First Time Homebuyers, Zero Down
The CalHFA MyHome Assistance Program provides up to 3% in down payment assistance in the form of a deferred payment mortgage.
Min. Credit Score
680
Min. Down Payment
0%
Max. Loan Amount
$1,089,300
Up to 3.00% of 1st Loan Amount Program Benefit Amount
CHOICERenovation® High-Balance Purchase Loan
Best For: Large Loan Amounts, Home Renovations
Include for home improvements in with a conventional loan above the conforming loan limit using this convenient and flexible program for renovations.
Min. Credit Score
620
Min. Down Payment
5%
Max. Loan Amount
$833,750 - $1,209,750
Up to 75% of Price or ValueYour Estimated Renovation Fund
CHOICERenovation® High-Balance Refinance
Best For: Large Loan Amounts, Home Renovations
Refinance above the conforming loan limits with funds for home improvements and repairs with this convenient and flexible renovation loan program.
Min. Credit Score
620
Min. Down Payment
5%
Max. Loan Amount
$833,750 - $1,209,750
Up to 75% of Price or ValueYour Estimated Renovation Fund
* Some loan programs may not be offered by all featured lenders of ReviewMyMortgage.com and qualification guidelines may vary between them. Our team makes their best effort to keep loan program information up to date. Loan programs may change without warning. ReviewMyMortgage.com does not guarantee or offer any loan products. ReviewMyMortgage.com is strictly an educational resource hub for consumers.
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