Question 1

What is the conforming loan limit in Santa Clara County?

Accepted Answer

The 2026 limit is $1,209,750 for a single-unit property. This is the high-cost ceiling set by Fannie Mae and Freddie Mac.

Question 2

Can I use a conforming loan to buy in Los Altos Hills?

Accepted Answer

Yes, if your loan amount stays at or below $1,209,750. Most purchases here exceed that, requiring jumbo or combo financing.

Question 3

What credit score do I need for a conforming loan?

Accepted Answer

Lenders require at least 620. To get the best rates, you want 740 or above.

Question 4

What is a piggyback loan and does it help here?

Accepted Answer

A piggyback is a second lien added to a conforming first mortgage. It helps buyers avoid jumbo guidelines on high-priced homes.

Question 5

Why are conforming rates lower than jumbo rates?

Accepted Answer

Fannie and Freddie buy conforming loans, which reduces lender risk. Less risk means lenders charge less.

Question 6

Will my appraisal be an issue with a conforming loan here?

Accepted Answer

It can be. Conforming appraisals need local comparable sales. Custom homes on large lots make that harder to satisfy.

Conforming Loans in Los Altos Hills — Know the Limits First