What exactly is a Conforming Loan? Simply put.. it’s a mortgage that meets the lending limits and guidelines set by Fannie Mae and Freddie Mac. ✅ That means: 💰 You’ll often get better interest rates 📄 Easier approval process 🏠 And simpler resale or refinancing down the road In most areas, the 2025 conforming loan limit is around $766,550 (and higher in certain high-cost counties). As a Senior Loan Officer with 38 years of experience serving the Central Valley and Bay Area, I help clients choo

Mortgage demand surges as interest rates ease off recent highs

Conforming Loan Limit: What It Is and How It Works

2026 Conforming Loan Limits Explained 📊🏡 A conforming loan is a mortgage that meets Fannie Mae & Freddie Mac guidelines — aka the loan types with the best rates, lowest down payments, and easier approvals. 💰 2026 Loan Limits: • Standard Counties: Up to $832,750 • High-Cost Counties (like Summit): Up to $1,092,500 Why it matters: • You can buy more house with a lower rate • 3–5% down is still possible • Faster, smoother approvals vs. jumbo loans • Better terms = lower monthly payment If you’re

Federal housing agency will not cut Fannie Mae and Freddie Mac loan limits, new director says