For 2025, FHA loan limits in South-Valley county, part of Bernalillo, NM, are $356,362 for a single-family home, $456,275 for 2-units, $551,500 for 3-units, and $685,400 for 4-units.
Conventional loans for a single-family residence are capped at $548,250. For 2-unit dwellings, the limit is $702,000, while for 3-units, it stands at $848,500, and for 4-units, $1,054,500 is the maximum.
Use our FHA calculator to uncover today's top FHA rates, and calculate the necessary downpayment, income, credit score, reserves, and documents required for qualifying.
The Lendersa® calculator allows you to compare FHA rates and terms with those of all other loan programs. Explore options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
By sourcing loan program data from thousands of lenders, Lendersa® quickly aligns it against your specific financial needs and profile.
For 2025, the Loan Limits Comparison Table in South-Valley under Bernalillo county, NM, provides a comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate qualification 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 |
|
|
|
|
|
|
|
|
|
|
|
|
FHA Guides
TYPES OF LOANS WE HANDLE:
CITIES CLOSE BY:
"The drum of the realization of the promise is beating, we are sweeping the road to the sky. Your joy is here today, what remains for tomorrow? The armies of the day have chased the army of the night..."
NMLS 1795154
