A High-Balance Mortgage for High-Cost Markets.
In higher-cost counties, a high-balance loan lets you borrow above the standard conforming limit while keeping conventional-style guidelines.*
More room in high-cost markets.
Most buyers start here, and for good reason.
- Standard documentation: income, assets, and credit
- Low-down-payment options for qualified buyers*
- First-time and repeat buyers welcome
- Purchase or refinance primary, second, and investment homes*
- Purchase & refinance with low-down-payment options, and cash-out is also available*
- Cancel mortgage insurance once you reach sufficient equity*
Loans from eligible amounts up to conforming loan limits*
Buy, refinance, or take cash out
Primary, second home, or investment property
Standard documentation: income, assets, and credit
Low-down-payment options available*
Fixed-rate and adjustable-rate (ARM) options
What Is a High-Balance Loan?
Higher conforming limits for high-cost counties, backed by Fannie Mae and Freddie Mac
The Saxton High-Balance Loan is a full-featured mortgage that uses the higher conforming limits set for designated high-cost counties, with conventional-style guidelines, a smart fit before stepping up to a jumbo loan.
Qualify with standard documentation: income, assets, and credit reviewed the usual way.
Use it to purchase a home, refinance your current mortgage, or take cash out of your equity, on a primary residence, second home, or investment property, with loan amounts up to high-balance limits.*
Why choose the Saxton High-Balance Loan?
Built for buyers in counties where prices run above the national limit.
First-Time Buyers
Low-down-payment options make buying your first home more attainable.*
Real Estate Investors
Finance investment properties, including 2–4 units, warrantable and non-warrantable condos.
Move-Up & Repeat Buyers
Move up in a market where prices run past the national limit.
Cash-Out Refinance
Tap your equity to reinvest, consolidate, or fund your next move on eligible properties.*
Cancel Mortgage Insurance
Once you build enough equity, mortgage insurance can be removed.*
High Cost Counties
Higher limits apply where local prices run above the national conforming limit.
Hear From Homeowners Like You
Frequently Asked Questions
The questions we get asked most about the High-Balance Conforming Loan.
High-balance uses the elevated conforming limits assigned to designated high-cost counties.
Yes. First-time buyers are eligible. A high-balance loan simply raises the limit in higher-cost areas.*
You can use it to purchase a home, refinance an existing mortgage (rate/term), or take cash out, on a primary residence, second home, or investment property.
High-balance loans use conventional-style credit guidelines; stronger profiles get the most flexibility.
Less than most people expect. Conventional financing has low-down-payment tiers, and the requirement moves with your credit profile and the occupancy.*
Yes. Fixed-rate and adjustable-rate (ARM) options are available on eligible programs.
Yes, cash-out refinancing is available. The amount you can access depends on your equity, credit profile, and property type.
Find out what you qualify for
Whether you’re buying, refinancing, or pulling cash out, there’s likely a Saxton High-Balance Loan program that fits. Get a fast, no-obligation pre-qualification today.
Get Pre-Qualified- Consumer Financial Protection Bureau, buying a house: tools and resources for homebuyers
- Consumer Financial Protection Bureau, mortgages
*Loan amounts, rates, terms, and down payment requirements are subject to credit approval, income and asset verification, and program eligibility. High-balance limits are set by county for designated high-cost areas. Down payment and cash-out limits vary by occupancy, credit score, and documentation type. Not all applicants will qualify. Saxton Mortgage, LLC is an Equal Housing Lender.