2020 Loan Limits for Conventional Mortgages

Conventional —  Loans closed on or after Jan 1st 2020! Effective immediately, Access Capital Group, Inc. will begin supporting the increased conforming loan limits that Fannie Mae and Freddie Mac announced on Tuesday November 26th. Maximum Loan Amount for 2020 One-Unit: $510,400 Two-unit: $653,550 Three-unit: $789,950 Four-unit: $981,700 Maximum Loan Amount for High-Cost Areas for… [Read More]

2020 Loan Limits for FHA Mortgages

FHA Loans  —  Closed on or after Jan 1st 2020 FHA announced December 3, 2019 in Mortgagee Letter 2019-59 that the low-cost and high-cost county limits have increased effective with case numbers assigned on or after January 1, 2020. Loan limits are county specific. The low-cost areas mortgage limits have increased to: One-Unit: $331,760 Two-unit:… [Read More]

Zero Down VA home loans with NO upper Loan Limits in 2020


Starting in 2020 VA will no longer require a down payment on loans greater than the conforming loan limit.  Zero Down VA loans NO upper loan limit starting Jan 1st, 2020. Currently, zero down VA loan limits are the same as those set by the Federal Housing Finance Agency on conforming loans. The limit in… [Read More]

VA Loan – Manual Underwrite – 500 Minimum Score

Army Family Series: Real American Soldier With Wife & Son

VA Key Underwriting Criteria There is no maximum debt ratio. However, the lender must provide compensating factors if the total debt ratio is more than 41 percent. There is no maximum loan amount. However, VA does limit its guaranty. Veterans can borrow up to $484,350 without a down payment in most of the country and… [Read More]

NO Overlay Lender


What is a NO Overlay Lender you might Ask? Access Capital Group, Inc. is a NO Overlay Lender meaning we approve loans to the Investor Guidelines and have done so since 2001. A “Lender Overlay” is a guideline (or set of guidelines) on top of the actual investor guidelines.  An investor would be Fannie Mae,… [Read More]

2019 Loan Limits Now Allowed on Conventional Products

2019 LOAN LIMITS NOW ALLOWED ON CONVENTIONAL PRODUCTS As announced today by the Federal Housing Finance Agency (FHFA), the standard and high-cost area loan limits for Fannie Mae and Freddie Mac are increasing. The base loan limit in most of the country will be $484,350, which represents a 6.9% increase over the 2018 limit.  All… [Read More]


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