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What is a High-Balance Home Loan?
A high-balance home loan is a conforming loan that is higher than the conforming loan limit.
Because high-balance home loan amounts are larger than the normal conforming loan limits, they carry a higher risk for the lender. Therefore, high-balance home loans have more strict requirements than normal conforming loans, have a higher down payment requirement, and higher interest rates.
If you would like to learn more about High Balance Home Loans and their requirements you can call one of our High Balance Loan Experts at (303) 947-5147.
Down payment requirements have a large range, and can be dependent on the LTV.
High balance loans are higher risk for lenders, which brings higher interest rates.
Lenders have strict requirements and are dependent on the loan amount.
A minimum credit score requirement of 620.