These loans are conventional loans that meet bank-funding criteria set by Fannie Mae (FNMA) and Freddie Mac (FHLMC). Both of these stock-holding companies buy mortgage loans from lending institutions and secure them for resale to the investment community. 

Buying back mortgage loans allow these agencies to provide a continuous flow of affordable funding to banks that reinvest their money back into more mortgage loans. Fannie Mae and Freddie Mac only buy loans that are conforming, to repackage into the secondary market – effectively decreasing the demand for non-conforming loans.

Fannie Mae also offers HomeReady low-down payment financing with reduced rates and PMI only requiring 3% down.  Freddie Mac also offers a Home Possible program with similar features.  You can check details of these affordable programs HERE

Conforming Loan Limits for Oregon, Washington & Idaho below.  You can access the full Federal Housing Finance Agency list HERE  (if above these amounts, see JUMBO mortgage section)

Oregon – 2025 Conforming Loan Limits (All Counties)

Baker, Benton, Clackamas, Clatsop, Columbia, Coos, Crook, Curry, Deschutes, Douglas, Gilliam, Grant, Harney, Hood River, Jackson, Jefferson, Josephine, Klamath, Lake, Lane, Lincoln, Linn, Malheur, Marion, Morrow, Multnomah, Polk, Sherman, Tillamook, Umatilla, Union, Wallowa, Wasco, Washington, Wheeler and Yamhill county.

1

2

3

4

$802,650

$1,027,750

$1,242,250

$1,543,900

Washington – 2025 Conforming Loan Limits 

Adams, Asotin, Benton, Chelan, Clallam, Clark, Columbia, Cowlitz, Douglas, Ferry, Franklin, Garfield, Grant, Grays Harbor, Island, Jefferson, Kitsap, Kittatas, Klickitat, Lewis, Mason, Okanogan, Pacific, Pend Oreille, San Juan, Skagit, Skamania, Spokane, Stevens, Thurston, Wahkiakum, Walla Walla, Whatcom, Whitman and Yakima Counties

1

2

3

4

$802,650

$1,027,750

$1,242,250

$1,543,900

Washington – 2024 Conforming Loan Limits (High-Balance Counties)

King County, Snohomish County and Pierce County

1

2

3

4

$977,500

$1,251,400

$1,512,650

$1,879,850

Idaho – 2024 Conforming Loan Limits

Ada, Adams, Bannock, Bear Lake, Benewah, Bingham, Blaine, Boise, Bonner, Bonneville, Boundary, Butte, Camas, Canyon, Caribou, Cassia, Clark, Clearwater, Custer, Elmore, Franklin, Fremont, Gem, Gooding, Idaho, Jefferson, Jerome, Kootenai, Latah, Lemhi, Lewis, Lincoln, Madison, Minidoka, Nez Perce, Oneida, Owyhee, Payette, Power, Shoshone, Twin Falls, Valley and Washington Counties.

1

2

3

4

$766,550

$981,500

$1,186,350

$1,474,400

Idaho – 2024 Conforming Loan Limits (High-Balance Counties)

Teton County

1

2

3

4

$1,149,825

$1,142,250

$1,779,525

$2,211,600

Vantage Mortgage Group specializes in Conforming borrowers and has excellent low rates for our conforming clients. Please see your Loan Consultant for more information and a rate quote.

We consistently strive to offer consumers the best possible mortgage experience by using a transparent and systematic approach that makes lenders compete for your business.  The more educated the consumer, the greater chance they will become a Vantage client when comparing mortgage providers. Don’t just take our word for it, here are some reviews that our past customers have left!