High Balance Mortgages High Balance MortgagesEarn +150 PointsWhat is This?Looking to buy or refinance a home with a mortgage over $970,8001? Consider a high balance mortgage (above $970,800) with fixed-rate terms, and save money with competitive rates and low closing costs. Why a High Balance Mortgage? High Balance Loans are a great option for buying or refinancing homes in high-cost counties designated by the Federal Housing Finance Agency (FHFA). Available on owner-occupied single and multi-family homes, and vacation properties in high-cost counties2 throughout the U.S. Get Pre-Qualified or Apply Today