Your Benefit Doesn’t Stop At The County Line.
VA financing above the standard county limit, for eligible veterans and service members buying where prices run high.*
When the price runs past the local limit.
Same benefit, larger balance, and a few rules that tighten as the loan grows.
- Full entitlement available to eligible veterans
- Established credit history required on a high balance file*
- First-time and repeat buyers welcome
- Purchase, rate and term refinance, or cash out
- Condominiums and manufactured condominiums are eligible
- Residual income must clear the VA requirement for your household*
Loan amounts above the standard county limit*
Buy or refinance an owner occupied home
One to four unit properties, condominiums included
Full entitlement carries the most borrowing power
Established credit required, non traditional credit is not accepted here*
Residual income is weighed as closely as the debt ratio
What is the Saxton VA High Balance Loan?
The VA benefit, sized for markets where the standard county limit runs out
The Saxton VA High Balance Loan is the same VA benefit applied to a larger balance. In higher priced counties the standard limit stops well short of what an ordinary house costs, and this is the version of the loan that keeps going.
Two things decide how large the loan can go: your entitlement, and the standard limit published for the county you are buying in. Where that limit stops short of local prices, this is the version of the benefit that keeps going.
The rules tighten as the balance grows. Non traditional credit is not accepted on a high balance file, so an established credit history is required. Residual income and the debt ratio are reviewed together, and a file carrying a higher ratio has to show stronger residual income to balance it.*
Why choose the Saxton VA High Balance Loan?
Built for veterans buying in the markets where prices ran ahead of the standard limit.
Expensive Counties
The standard limit was written for the whole country. In some markets an ordinary house passes it without being remarkable.
Full Entitlement
Veterans who have not used the benefit, or who restored it by paying off a previous VA loan, carry the most borrowing power into a high balance file.
No Monthly Insurance
VA financing carries no monthly mortgage insurance, and that does not change because the balance is larger.
Established Credit
A high balance file needs a real credit history behind it. Non traditional credit is not accepted on this one.*
Residual Income
The money left after the bills is weighed carefully here, and a strong figure can carry a file with a higher debt ratio.
One To Four Units
A duplex, triplex or fourplex qualifies, and so do condominiums, as long as you live in one of the units.
Hear From Homeowners Like You
Frequently Asked Questions
Straight answers about VA financing above the county limit.
It is the same benefit and the same guarantee, applied to a balance above the standard county limit. What changes are the credit and documentation rules, which tighten as the loan grows.*
Yes. No monthly mortgage insurance is a feature of VA financing itself. It does not disappear because the balance is larger.
It means you have not used your benefit yet, or you restored it by paying off a previous VA loan. Full entitlement carries the most borrowing power, and that matters most on a high balance file.
Not on this one. Non traditional credit can be reviewed on some standard VA files, but it is not allowed on a high balance or jumbo VA loan. An established credit history is required.*
It is the money left each month after the mortgage, the debts, taxes and basic living costs. VA weighs it heavily, and a file carrying a higher debt ratio has to show a residual figure well above the required minimum.*
Yes, as long as you occupy one of the units. Condominiums and manufactured condominiums are eligible as well.
Yes. VA financing is for a home you occupy. It is not available for a rental property or a vacation home.
Find out what you qualify for
Whether you are buying above the county limit or refinancing a balance already there, there is likely a Saxton VA High Balance Loan that fits. Get a fast, no obligation pre-qualification today.
Get Pre-Qualified- Department of Veterans Affairs, eligibility for VA home loan programs
- Department of Veterans Affairs, VA home loan types
- Department of Veterans Affairs, VA funding fee and closing costs
*Loan amounts, rates, terms, and down payment requirements are subject to credit approval, income and asset verification, and program eligibility. VA financing is governed by VA entitlement rules and by the loan limit published for the county, rather than by conforming loan limits. Requirements vary by occupancy, credit profile and documentation type. Not all applicants will qualify. Saxton Mortgage, LLC is an Equal Housing Lender.