FHA High Balance

Minimum 620 FICO

Real estate values vary in different parts of the country. In some areas, homes are more expensive and as a result, the Federal Housing Finance Agency (FHFA) adjusts its loan limits for these “high cost” areas.

If you are planning to buy a home in an area considered high cost, an FHA High Balance loan may be the best solution for you. At A&D Mortgage, we are experienced in these kinds of FHA transactions and we’ll guide you through the entire loan process.

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Loan amounts up to $1,089,300 depending on home location
Available on primary residence and second/vacation homes
Condo financing available

Fast turnaround times


24 hours


24 hours


24 hours


24 hours

24 hours

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#Yes to employed

  • Down payments as low as 3%
  • FICO 620
  • Low income
  • First-time or repeat home buyers

Full Doc Non-QM

90% CLTV No Score or FICO 599
  • No Score or FICO 599
  • 90% CLTV
  • Loan amounts up to $4 million
  • Max cash-on-hand $1 million, no limit for LTV < 55%