Compared to other portfolio lenders, Fannie and Freddie have the least reserve requirement when it comes to qualification.
According to Fannie and Freddie, the high balance conforming loan limit will be increased from $679,650 to $726, 525 in 2019 for the following Counties in California: Alameda, Contra Costa, Los Angeles, Marin, Napa, Orange, San Benito, San Francisco, San Mateo, Santa Clara, and Santa Cruz.
Here is a little cheat sheet:
