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Conforming Loans

Conforming Loans

Conforming Loans are those that meet Fannie Mae and or Freddie Mac underwriting requirements. In other words, income, credit, and property requirements must meet nationally standardized guidelines. Conforming loans are subject to loan amount limits that are set by Fannie Mae (FNMA) and Freddie Mac (FHLMC). These limits vary based on the region in which the subject property is located as well as the number of legal units contained in the subject property. 

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48 States

Hawaii & Alaska

1 unit property



2 unit property



3 unit property



4 unit property



Under the FNMA and FHLMC Charter Acts, the loan limits are 50% higher for first mortgages in Alaska, Hawaii, Guam, and the U.S. Virgin Islands.

For current rates, or more information on applying for a home loan, contact a Mortgage Loan Officer or call us at 808-356-4000.


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Our team of knowledgeable mortgage specialists can help you weigh out the pros and cons of refinancing or help you find solutions needed to achieve your goals. Fill out the form below to get started.


The Nationwide Mortgage Licensing System (NMLS) and Registry offers consumers the ability to confirm that the bank, mortgage company and/or mortgage loan originators with whom they wish to conduct business is authorized to conduct mortgage business in their state. To access this free service, go to: http://www.nmlsconsumeraccess.org/.

View a listing of our Mortgage Loan Originators and their NMLS numbers.