For the year 2025, the loan limits set by FHA within Baker-City, in the county of Baker, located in OR, specify $356,362 for a single-family house. The limit progresses to $456,275 for homes with two units, escalates further to $551,500 for those with three units, and peaks at $685,400 for residences consisting of four units.
Regarding conventional loans, the maximum allowable loan amount for a single-family dwelling is $548,250. For properties featuring two units, the limit extends to $702,000. This further climbs to $848,500 for homes made up of three units, and finally reaches $1,054,500 for four-unit buildings.
To secure advantageous FHA rates currently available, utilize our FHA calculator to ascertain today’s best rates, which aids in outlining the essential downpayment, calculating income necessities, evaluating credit requirements, determining necessary reserves, and gathering documents crucial for qualification.
Explore a comprehensive lineup of loan offers from as many as 100 different lenders, ensuring you find a financing solution that aligns with your unique needs and financial objectives.
The Lendersa® calculator offers a robust platform for comparing FHA rates and terms against those of all other loan programs available. Through this tool, users can investigate and draw comparisons among various loan types including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, alongside FHA loans, providing a well-rounded view of potential financing solutions available to you.
Lendersa® leverages extensive data from a multitude of lenders, offering rapid, customized comparisons that align with your unique financial profile and individual needs, delivering insights swiftly for well-informed financial decision-making.
Consult the Loan Limits Comparison Table for 2025, applicable to Baker-City in Baker, OR, which provides detailed scrutiny of maximum loan amounts across a wide array of categories, such as FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To meticulously compare qualification requirements like income benchmarks, necessary reserves, and credit assessments, make use of the Lendersa® Super Loan Integrated Qualifier (SLIQ™). This premier tool is designed to enhance your understanding and support you in selecting the most suitable loan product for your circumstances.
| 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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