In 2026, the FHA loan limits in Sandia-Heights county, Bernalillo, NM are defined as $356,362 for a single-family home, $456,275 for two units, $551,500 for three-unit properties, and $685,400 for four units.
For conventional loans, the highest amount available for a single-family home is $548,250. For two-unit residences, it's $702,000, and for three units, the limit reaches $848,500, while four-unit homes top out at $1,054,500.
Utilize our FHA calculator to access today’s best rates, and calculate the down payment, required income, credit necessities, reserves, and documentation needed to qualify.
The Lendersa® calculator offers a way to compare FHA rates and terms alongside various other loans. Consider and contrast options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans with FHA offerings.
Lendersa® collects extensive loan data from thousands of lenders, providing rapid comparisons tailored to your financial profile and needs.
For 2026, the Loan Limits Comparison Table in Sandia-Heights county of Bernalillo, NM allows you to compare maximum loan limits among FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for assessing requirements such as income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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