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A conforming loan is a mortgage that meets the underwriting standards set by Fannie Mae and Freddie Mac, the government-sponsored enterprises that purchase and guarantee most U.S. home loans.By meeting their strict lending limits and qualification criteria, lenders can sell these loans on the secondary market — which helps keep mortgage rates low and lending stable.Borrowers who meet the credit, income, and property requirements benefit from lower interest rates, smaller down payments, and easier qualification compared to jumbo or non-conforming loans.
Fannie Mae (Federal National Mortgage Association) and Freddie Mac (Federal Home Loan Mortgage Corporation) don’t lend money directly. Instead, they set the rules lenders must follow for a loan to be considered “conforming.”Once a lender issues a loan that meets those standards, Fannie or Freddie can buy it, freeing up the lender’s capital so they can make more loans.This system stabilizes the mortgage market, protects borrowers from excessive risk, and ensures competitive rates — all while giving you, the homeowner, a safe and transparent financing option.
Whether you’re buying your first home, upgrading, or refinancing, I offer mortgage solutions tailored to your goals:
CONVENTIONAL LOAN
Conforming loans deliver the perfect balance of flexibility, stability, and affordability. Because they meet Fannie Mae and Freddie Mac’s standards, borrowers enjoy competitive rates, smoother approvals, and predictable terms that make homeownership more accessible.
Every year, the Federal Housing Finance Agency (FHFA) sets the maximum conforming loan limit. For 2025, the limit for most U.S. counties is $766,550 for single-family homes, though high-cost areas like parts of California and Hawaii allow higher amounts.To qualify, your loan amount must stay within these limits and meet key standards for credit, income, and debt-to-income ratio.Borrowers with higher loan needs can still qualify for jumbo financing, but conforming loans generally provide the best blend of flexibility, affordability, and long-term stability.While official 2026 conforming loan limits haven’t yet been released, based on market estimates and early data, we’re already honoring the following increased limits for conventional and VA loans locked on or after September 17, 2025: $819,000 — One-unit conventional and VA* loans (up from $806,500)$1,048,500 — Two-unit conventional loans (up from $1,032,650)$1,268,000 — Three-unit conventional loans (up from $1,248,150)$1,575,000 — Four-unit conventional loans (up from $1,551,250) These higher limits allow more borrowers to qualify under conforming guidelines — meaning lower rates, easier approvals, and access to more homes without moving into jumbo loan territory.If you’re unsure whether your loan fits within the conforming range, I can help you calculate your limit based on your property’s county and value.
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